James Hughes is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at LPL Financial and Vystar Credit Union since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Steven Glenn is a financial advisor with MassMutual Investors Services who holds the ChFC® designation and has 40 years of industry experience. Since 2012, he has been associated with MML Investors Services and MassMutual Life Insurance Company. Glenn serves as an adjunct professor at Florida State College and participates as a speaker at industry meetings. He is also a member of the Jacksonville Police and Fire Pension Fund Financial Investment and Advisory Committee. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships using analytical tools and offers specialized programs including divorce planning and employer-sponsored planning services.

Charles Gillingham is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 registrations and 31 years of industry experience. His prior roles include positions at BB&T Securities and Wells Fargo Clearing. He is based in St. Augustine, FL. 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 broad client base, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting through various advisory programs.

Wade Bramlitt is a financial advisor with LPL Financial in Green Cove Springs, FL, holding a Series 66 credential and 15 years of industry experience. He previously worked at Edward Jones from 2013 to 2019 and has been associated with both LPL Financial and VyStar Credit Union since 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm provides a range of advisory and brokerage services, including financial planning, advisory programs, retirement plan consulting, and uses both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Kevin Miller is a CFP® with 28 years of industry experience, currently serving at Morgan Stanley in St. Augustine, FL. He has been with Morgan Stanley and its Private Bank division since 2016. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of financial programs and investment offerings.

Alexander Lovaglio is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation. Prior to his current role, he worked for six years at Kingfish Grill and spent seven years in full-time education. Outside of his advisory work, he has experience in the restaurant industry as a server. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management services with an integrated structure that supports a large client base.

Russell Mccary is a financial advisor at Fisher Investments with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Empower Advisory Group, Personal Capital Advisors Corporation, and VALIC Financial Advisors. Outside of his advisory role, he manages a rental property on a personal basis. Fisher Investments serves a global client base of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and employs various risk management and tax-aware strategies.

Brian Winger is a financial advisor at Raymond James Financial with 13 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America/Merrill Lynch for five years before joining Raymond James in 2017. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Margo Hill is a CFP®-certified financial advisor with 17 years of industry experience, currently practicing at Ameriprise in Saint Johns, FL since 2015. She co-owns Integrity Tax Solutions, a tax preparation business, and also works as a tax specialist providing individual tax return services for Intuit Turbo Tax. Ameriprise serves clients primarily through its retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, offering tailored, research-driven recommendations that incorporate tax-efficiency and income source analysis.

Dana Hooten is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and provides tailored financial planning supported by firm-approved tools and research.

Andrew Laino is a financial advisor at LPL Enterprise with 26 years of industry experience. He holds the Series 66 designation and has worked with The Prudential Insurance Company of America since 2000. He is also the owner of Laino and Associates Financial Group, Inc., a business based in Sarasota, FL. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management, and a range of brokerage and insurance products supported by an integrated platform.

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.

John Adams is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Equitable Advisors since 1999, including its prior affiliation as Axa Advisors, LLC. Outside of his advisory role, Adams is a CPA providing tax and advisory services as a sole proprietor and serves as a deacon and secretary of the deacon board at Evangel Temple Assembly of God in Jacksonville, Florida. Equitable Advisors serves individual and institutional clients, offering financial planning, retirement plan consulting, and a variety of asset-management programs. The firm’s approach includes matching clients to advisory models and discretionary managers, with many solutions implemented through third-party platforms and LPL-sponsored programs.

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.

Edward Brennan is a financial advisor at UBS Financial Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and capital market assumptions to tailor client plans.

Michael Ferreira is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. Prior to this, he spent 13 years with Ameriprise Financial Services, Inc. Outside of advising, he is involved in multiple business ventures including a management company and a tax preparation service. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendations and ongoing planning advice focused on dependable income and tax-aware withdrawal strategies.

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.