Lesli Luther is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Luther Group, a financial advisory team based in The Villages, Florida. She provides customized wealth strategies and integrated advice to individuals and families, helping them address their priorities and pursue their goals. Lesli leads a multidisciplinary approach that includes investment management, retirement planning, trust and estate planning services, higher education savings, and charitable giving. Her expertise encompasses a range of client focus areas such as college education planning, family wealth management strategies, legacy planning, philanthropic planning, portfolio management services, and retirement income. Lesli holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a High School Diploma from Miami Killian High School, attended American Public University without degree completion, and holds an Associate's Degree from Brevard Community College. Lesli follows the Merrill tradition of community involvement and spends time volunteering with local organizations. Outside of work, she enjoys activities including biking, boating, cooking, gardening, interior decorating, music, reading, tennis, traveling, yoga, Pilates, cultivating orchids, and walking her dogs, Luci and Chloe, throughout The Villages.

Kent Penney is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments and Investec Securities. Kent is based in The Villages, Florida. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager searches, and customized performance reporting.

Stephen Peterson is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at Ameriprise, DWS Distributors, and Invesco Advisers. He operates out of The Villages, Florida. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Cherie Gray is a financial advisor with Edward Jones in The Villages, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Edward Jones since 2007. Outside of advising, she owns and maintains a rental property in Sequim, WA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.

Nahshan St.Bernard is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Relationship Manager at Fidelity Investments from 2023 to 2025 and as a Workplace Planning Associate from 2021 to 2023. His professional focus centers on building trust through open communication and understanding clients' aspirations, aiming to empower them to navigate financial complexities with confidence. Nahshan emphasizes a partnership approach in financial planning, going beyond asset management to support clients in achieving their financial goals. Outside of his professional responsibilities, he has interests in comedy and engaging in family activities.

Matthew Nimah is a Financial Advisor at Merrill Lynch Wealth Management. He leads a wealth management practice that serves a select group of clients nationwide, including successful business owners, corporate executives, and multi-generational, globally mobile families. His approach centers on comprehensive, long-term financial planning to build, manage, and preserve wealth across generations and borders. He focuses on client areas such as executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, international wealth management, legacy planning, portfolio management services, and tax minimization. Matthew emphasizes the importance of ongoing planning in navigating financial complexity and expanding optionality as wealth grows. Matthew holds a Bachelor's Degree from the University of Florida and has professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He is involved with professional organizations such as the Rotary of Downtown Orlando, Rotary of Longwood Florida, and chapters of YNG in Miami and Orlando. Outside of work, he enjoys basketball, billiards, golfing, hiking, pickleball, rock climbing, scuba diving, and skiing.

Kyle Horsley is a CFP® professional associated with LPL Financial, bringing 10 years of industry experience. His career includes roles at Citizens First Bank and Infinex Investments Inc. He is based in The Villages, 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory strategies and client types.

Barry Gallun is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning using structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and employer-based financial planning agreements.

Amy Gonzalez Thompson is a financial advisor with Raymond James & Associates, holding Series 65 and Series 66 licenses and bringing 12 years of industry experience. She worked at Goldman, Sachs & Co. for 16 years before joining Raymond James & Associates in 2024. Raymond James & Associates is a large 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 non-discretionary investment consulting supported by extensive research and multiple portfolio management styles.

Cody Maciejewski is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has worked at Raymond James & Associates continuously since 2016. In addition to his advisory role, he maintains an active Missouri insurance producer license with RJ Insurance Group. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services supported by a nationwide network of advisers.

Angela Hughes is a financial advisor with Raymond James & Associates in Tavares, FL, holding a Series 63 designation and 27 years of industry experience. She has been with Raymond James & Associates since 2010 and concurrently works in an administrative role for Ladybug's Gifts & Sundries, where she handles merchandise buying, payroll processing, and bookkeeping. 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, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and research resources.

Andrew Haliday is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo since 2016. Outside of his advisory role, he serves as Treasurer for the Forward Paths Foundation and is a Finance Committee Member at the AdventHealth Waterman Foundation, where he is involved in financial oversight and fundraising efforts. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversified investment strategies and provides a broad range of financial products through affiliated entities.

Amy Posch is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and six years of industry experience. She has been with Cambridge Investment Research and its affiliated firms since 2020 and previously operated a business under AlphaGraphics Savannah for ten years. Outside of her advisory role, she is an independent insurance agent representing various insurance companies. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organization clients, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals. The firm manages a multi-billion dollar asset base and offers both discretionary and non-discretionary management across multiple platforms and custodians.

Michael Johnson is a Series 66-credentialed financial advisor at Edward Jones with eight years of industry experience. He previously worked at Crippen & Co for three years before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard and supported by a nationwide network of more than 23,700 advisors.

Scott Botkin is a CFP® professional with nine years of industry experience, currently affiliated with Charles Schwab. His prior experience includes roles at TD Ameritrade and Union Pacific. Outside the financial sector, he was involved in operating Piezon's Pizzeria for ten years. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and a formal alternative-investment onboarding process.

Michael Hopkins is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations, and has 26 years of industry experience. He previously worked at Morgan Stanley and A.G. Edwards & Sons, Inc. Hopkins is a co-owner of HOPCO PARTNERS LLC, an investment-related business, and serves as a co-trustee and successor trustee for family trusts. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Robert Mitchell is a financial advisor at Osaic Wealth with 12 years of industry experience and holds a Series 66 designation. His career includes roles at Signator Investors and Edgewood Financial Network. Outside of advising, he owns and manages several businesses including an insurance agency, farming operations specializing in grapes and pistachios, and multiple athletic clubs and sports facilities. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through various programs with an investment process focused on model-based asset allocation, portfolio optimization, and flexibility in strategy implementation.

Dennis Kinzer is a financial advisor with Morgan Stanley in The Villages, FL, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley since 2010 and has served at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including financial planning services that utilize firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning solutions.

Wendell Marshall is a financial advisor with LPL Financial in Mount Dora, FL, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. His career includes roles at Cadaret, Grant & Co., Inc., Sunamerica Securities, Inc., and running Marshall Financial Group since 2004. Outside of his advisory work, he maintains a fiduciary role in a non-investment-related capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by advanced research tools and a broad suite of non-advisory financial products.

Polly Watson is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 21 years of industry experience. She has worked at Cambridge Investment Research Advisors since 2014 and previously held roles at Woodbury Financial Services, LPL Financial, and Mutual Service Corporation. Outside of her advisory work, she serves as secretary for the Sunshine Foundation and Lake Unity Neighbors in Leesburg, Florida. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management through multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.