Valentino Scaramuzzo is a CFP® and ChFC® with 41 years of industry experience. He has been with Ameriprise since 2005 and currently operates in Melbourne, FL. He manages his practice operations through an ownership interest in Valentino A Scaramuzzo LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Terri Janssen is a financial advisor with Edward Jones in Melbourne, FL. She holds a Series 66 designation and has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supporting an extensive nationwide network of financial advisors.

Steven Leatherman is a financial advisor with Primerica Advisors in Rockledge, FL, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1996. Outside of his advisory work, he is a partner in Six Digit Yacht Club, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating with a percentage-based wrap fee structure.

Irina Ceruti is a financial advisor with Morgan Stanley in Melbourne, FL, holding a Series 66 designation and four years of industry experience. Her previous roles include positions at Wells Fargo Bank, N.A., and Space Coast Credit Union. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and advisory services supported by structured processes and firm-approved tools.

Robert Yahney is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he works closely with individuals, families, executives, and small to mid-sized businesses to connect various aspects of their financial lives. Robert assists clients in understanding their financial situation, risk tolerance, time horizon, and liquidity needs to help them prioritize and pursue their short- and long-term goals. With 23 years in the financial services industry, Robert joined Merrill Lynch Wealth Management in 1998. He applies his experience by combining personalized service with investment insights from Merrill and banking access through Bank of America. Robert holds a Bachelor of Arts degree from the University of Florida and an MBA in Finance from Barry University. His professional designations include Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA).

Steven Libby is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Cetera Advisors LLC since 2013 and joined Cetera in 2024. Libby is also the owner and manager of Libby Advisors LLC, a financial services business. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a large nationwide network of independent advisors and employs a multi-manager platform with multiple program options and custodial relationships.

Craig Hoelzer is a financial advisor at Merrill with Series 63, 65, and 66 licenses and 43 years of industry experience. He has worked at Merrill since 2010 and Bank of America, N.A. since 2011. Outside of his advisory role, he serves as a trustee for a family trust. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutional entities.

Curtis Lanoue is a financial advisor at Thrivent Investment Management with seven years of industry experience and holds the Series 66 credential. He has worked at Thrivent and its affiliated entities since 2014 and has additional experience with The Brevard Group. Outside of his advisory role, he serves as a parish musician at St. Luke's Episcopal Church and is an author of music and religion-related books, as well as an umpire for amateur baseball games. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers comprehensive written recommendations across various planning topics and allows clients to combine planning with managed-account programs under a consolidated billing option.

Chadwick Hargis is a financial advisor with Cetera who holds a Series 66 designation and has 23 years of industry experience. He has been with Cetera Advisors LLC since 2013 and continues with Cetera since 2024. In addition to his advisory role, he is also an insurance agent specializing in life, annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Bernadette Rice is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and previously worked at Merrill from 2013 to 2022. Outside of her advisory role, she is involved in a construction and engineering business, JT Rice Plumbing LLC, based in Cocoa, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs supported by structured planning tools and a variety of investment services.

Patrick Coyne is a financial advisor at Raymond James Financial with two years of industry experience. He holds the Series 66 designation and previously worked at Accenture Inc and Sierra-Cedar Inc. Outside of his advisory role, he is also an associate at Crossley Shear, a support company based in Merritt Island, FL. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored, non-discretionary planning tools and supports clients through its advisory programs and institutional consulting network.

John Sivolella is a financial advisor with Edward Jones in Melbourne, FL, holding Series 63 and Series 66 credentials and 23 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment options supported by a large national network of advisors and branches.

John Rawson III is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2009, including Morgan Stanley Private Bank, National Association, since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Terry Stanfill is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. Prior to joining LPL in 2025, he worked at H. Beck, Inc for 18 years and was involved with Professional Tax Solutions LLC and Grove Point Investments, LLC. Outside of his advisory role, Stanfill serves as a commissioner and board member for the City of Grand Blanc, MI. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a network of representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers diverse solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a broad range of operational and research tools.

Jessica Bolton is a financial advisor at Edward Jones with five years of industry experience. She holds the Series 66 designation and has worked exclusively at Edward Jones since 2018. Outside of her advisory role, she is a 50% owner of M&B Ventures FL, LLC, an aviation maintenance business. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with a range of advisory programs and investment strategies. The firm manages over $1 trillion in assets through a nationwide network of financial advisors and branch offices.

Lisa Anderson is a financial advisor at Primerica Advisors with 31 years of industry experience. She holds Series 63 and Series 65 designations and has been with Primerica since 1995. Outside of her advisory role, she serves as president of Anderson & Anderson of Coral Springs, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and employs model-driven investment strategies supported by third-party asset managers and custodians.

Daniel Podawiltz is a financial advisor with LPL Financial in Melbourne, FL, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. His prior firms include Cambridge Investment Research Advisors, Ledford Financial Group, Commonwealth Financial Network, and Ameriprise Advisor Services. He is also involved in fixed insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services and platforms, including financial planning, model portfolios, third-party asset management, and institutional programs, supported by extensive operational tools and a large national network of advisors.

Michael Tsarnas is a financial advisor with Morgan Stanley in Melbourne, FL, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client engagement and corporate financial planning agreements.

Ashley Byrne is a CFP® professional with 18 years of industry experience, currently an advisor at Edward Jones in Melbourne, FL, where she has worked since 2008. She serves on the City of Titusville General Pension Board as a trustee. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

Charlie Rossetter III is a financial advisor with Merrill, holding a Series 66 designation and over 31 years of industry experience. He has been with Merrill since 1994 and has worked at Bank of America, N.A. since 2011. Merrill, along 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 offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.