Benjamin Ow is a financial advisor with Morgan Stanley in The Villages, Florida, holding Series 63 and Series 66 licenses and four years of industry experience. His career includes multiple roles within Morgan Stanley and Morgan Stanley Private Bank, N.A., as well as time at Fidelity Investments and CoAdvantage. Outside of advisory work, he is involved as a tester with Electronic Arts Orlando Studio. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Michael Micallef is a CFP® professional with 25 years of industry experience. He joined Edward Jones in 2024 after spending 24 years at Charles Schwab. Outside of advising, he is involved in a family rental property business in Panama City Beach, Florida. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

Patricia Madden Renouard is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 23 years of industry experience. She has worked at Wells Fargo Clearing since 2000, with a break from 2003 to 2016, and has been with Wachovia Bank, N.A. since 2002. Outside of her advisory role, she serves as a power of attorney for her mother. 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 manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Gavin Singh is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes multiple roles at Bank of America and experience outside the financial sector at Best Buy and the University of Central Florida. Outside of advising, he owns a vlogging business that showcases aspects of his culture and community and is a managing member of a family-owned food distribution company. 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 investment strategies to individuals, high-net-worth clients, and institutions.

Deroop Ramtahal is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with affiliated brokerage and investment management capabilities.

Danielle Delong is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 10 years of industry experience. Her prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, AE Wealth Management, and Whitaker Wealth Management Services. Cetera Investment Advisers LLC is a national firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting both discretionary and non-discretionary programs.

Ronald Francis III is a financial advisor at Edward Jones in Wildwood, FL, holding the ChFC® designation and Series 66 license with 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is co-owner of Palisade Property Group LLC, involved in real estate investment and rental properties. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and pension plans. The firm manages over $1 trillion in assets and offers a range of advisory strategies, tax-efficient services, and affiliated investment products through a nationwide network of financial advisors and branch offices.

Matthew Wojcik is a financial advisor with Morgan Stanley in The Villages, FL. He holds Series 63 and Series 65 licenses and has 34 years of industry experience, including 22 years at UBS Financial Services and three years with Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He is also the sole proprietor of Whoa Joe LLC, a real estate business. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals 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 processes and investment modeling tools as part of its advisory approach.

Steven Ferris is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at Morgan Stanley, BFN Asset Management, and M&I Investment Management Corp., among others. He has been with Wells Fargo Clearing across two periods, from 2000 to 2006 and since 2016. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party sources.

Scott Windsor is a CFP® professional with 34 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Citizens First Bank, Infinex Investments, BBTIS, BB&T Bank, Wells Fargo Clearing, and Prudential Equity Group. He is also involved with Seacoast Wealth & Trust in The Villages, FL. 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 broad range of advisory and brokerage services, including financial planning and institutional platforms, utilizing both proprietary and third-party investment strategies.

Tracey Barnes is a financial advisor at Ameriprise with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2009. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific eligibility criteria, 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 in its approach and delivers these services through a centralized consulting team in partnership with client advisors.

Colleen Arredondo is a Planning Consultant at Fidelity Investments, where she collaborates with clients to understand their overall goals and develop customized financial plans aimed at meeting their objectives. She emphasizes building partnerships rooted in trust and confidence. Her professional experience includes her current role at Fidelity Investments starting in 2022, where she initially served as a Financial Representative before becoming a Planning Consultant. Prior to that, she was an Associate Wealth Advisor at Ruggie Wealth Management from 2015 to 2022. Colleen holds a California Insurance License.

William Spell III is a financial advisor with Raymond James & Associates and holds a Series 66 designation. He has 17 years of industry experience, including prior roles at Wells Fargo Clearing and Edward Jones. Outside of advising, he is involved as managing member of an occasional charter service that uses professional captains. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by affiliated research and model managers.

Lance Larkin is a financial advisor with Charles Schwab, holding a Series 66 credential and bringing 12 years of industry experience. His prior roles include positions at Ameriprise Financial Services and TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base, 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

John Ivory Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and 17 years of industry experience. He has been with Raymond James since 2014. Outside of his advisory role, he serves as CEO of Ocala 4 Football, a nonprofit organization focused on developing local youth football players and enhancing their exposure to college programs. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Catherine Harris is a financial advisor with LPL Financial, holding Series 65 and Series 66 credentials and 22 years of industry experience. She previously worked at Ameriprise Financial Services and Blueprint Wealth Management. Outside of her advisory role, she is a commissioned notary 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 a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Mark Dickerson is a CFP® professional with 29 years of experience in financial advising. He is currently with LPL Financial and has held positions at firms including Ameriprise Financial Services, Morgan Stanley, and UBS Financial Services. Outside of his advisory role, he owns Divorce Financial Analysis, LLC, a business specializing in financial analysis related to divorce. 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 and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Trevor Hubbard is an Investment Consultant at Fidelity Investments. In his role, he partners with new and existing clients to assist with retirement planning and provide investment guidance. He has experience working as a Financial Representative at Fidelity Investments from 2023 to 2026 before advancing to his current position in 2026. The biography does not include information about his education, credentials, personal interests, or community involvement.

Celestin Martin is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, he collaborates with clients to develop personalized financial plans that align with their individual goals and unique financial situations. He emphasizes clarity, relevance, and actionable strategies in his approach to financial consulting. Prior to joining Fidelity, Celestin worked as a Financial Consultant Partner at Charles Schwab from 2017 to 2020. His professional experience encompasses advising clients on financial matters and helping them navigate their financial objectives. Outside of his professional career, Celestin has interests in boating, fitness, parenthood, sailing, soccer, and traveling.

Samantha Cook is the Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2025. She has built her career at Fidelity over 19 years, holding roles including Financial Consultant, Relationship Manager, Investment Solutions Representative, Financial Representative, Defined Benefits Representative, and Workplace Service Associate. Her professional experience encompasses a broad range of responsibilities within the financial services industry, with a focus on helping clients work toward their investment goals. Samantha emphasizes a team approach to creating a comfortable lifestyle for clients throughout their retirement years. Outside of her professional role, Samantha is engaged in family activities, fitness, photography, running, traveling, and volunteering.