Gabriel Roque is a financial advisor at Charles Schwab with Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Schwab, he worked at Trinity Wealth Securities, LLC and Florida Financial Advisors. He has also been involved in fixed insurance sales through Florida Financial Insurance. 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 offers a client relationship model that combines non-discretionary advisory recommendations with access to affiliated discretionary separate managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Richard Peck is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. He has worked with Cetera Advisors LLC since 2015 and with Cetera Investment Advisers since 2024. In addition to his advisory role, he operates a private client group under a DBA. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Juanita Stephens is a financial advisor with Ameriprise who holds a Series 63 designation and has 41 years of industry experience. She has been with Ameriprise Financial Service, LLC since 1984 and worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of her advisory role, she is involved as a member and manager in Mansa Musa Partners and Mansa Musa Operations, which provide administrative and operational support. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to provide non-discretionary recommendations, primarily for assets held in Ameriprise Managed Accounts, and supports a broad range of advisory, brokerage, and insurance solutions.

Devon Ferdon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 registrations and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of advisory work, he is a notary public in The Villages, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Chris Nelson is a CFP® professional with 30 years of experience in the financial services industry. He is currently with OSAIC, having joined in 2023, and previously worked at SagePoint Financial and Valley Bank and Trust. Outside of his advisory role, he is involved as a partner or president in agricultural and business ventures including Nelson Brothers Farms and Three Pheasants, LLC. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services with various investment platforms and third-party manager access. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios.

Michael Hagood is a financial advisor with Edward Jones in The Villages, FL. He holds the Series 66 designation and joined Edward Jones in 2025. Prior to his current role, he worked at VT Industries for eight years and had positions at Foliage Design Systems and the University of South 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 and offers a range of advisory programs and investment solutions through a large nationwide network of financial advisors and branch offices.

John Glendinning is a financial advisor with Morgan Stanley in The Villages, FL, holding a Series 66 designation and bringing 10 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, and previously at Bank of America, N.A. and Merrill Lynch from 2016 to 2020. Outside of his advisory role, he is a partner in Troika Vending LLC, a wholesale and distribution business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and invests based on analyses from its Global Investment Committee while offering both retail and institutional investment solutions.

Christopher Hill is a CFP® professional with 10 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has been associated with Raymond James since 2016 and has operated an affiliated independent practice under the Reveille Wealth Management name since 2022. Hill also serves as president of Independent Financial Partners, a support company. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting services, utilizing risk profiling and analytical modeling tools, and supports municipal and public finance advisory work through a unique municipal advisor affiliation.

Clay Palmer serves as the Senior Resident Director of The Villages Branch Office and as a senior advisor for The Palmer Group at Merrill Lynch. He works with affluent families, individuals, and business owners in Central Florida, focusing on financial strategies and wealth management services. His approach emphasizes understanding clients' needs to build comprehensive investment plans that integrate various aspects of their financial lives. Clay graduated from Auburn University with a degree in Mechanical Engineering and holds a Master's Degree in Business Administration from the University of Central Florida. Before joining Merrill Lynch Wealth Management in 2008 as a Financial Advisor, he held engineering and project management roles at Progress Energy, FL. His expertise includes portfolio construction, client reviews, and retirement analysis. Clay holds the Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA) designations. Clay and his wife Jennifer reside in Lady Lake with their children. He engages in various personal interests including adventure sports, boating, fishing, football, golfing, reading, swimming, traveling, and spending time with his family.

Anthony Gould is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2012, he has concentrated on portfolio analysis and the development of customized wealth management plans, including social security planning. Anthony specializes in family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. He holds a Bachelor’s Degree in Business Administration from the University of Central Florida and has earned several professional designations, including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Raised in Lady Lake, Florida, Anthony resides in Wildwood with his wife Kate and their children, Rylie and Bryson.

Patrick Fross is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He has been with LPL Financial since 2018 and previously worked at SII Investments, Inc. and Fross & Fross Financial. He also serves as Vice President and Wealth Advisor at Fross and Fross Wealth Management. 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 provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by tools such as machine learning for operational purposes.

Leslie Rodriguez is a financial advisor at Charles Schwab with 27 years of industry experience. She holds the Series 63 and Series 66 designations. Her tenure at Charles Schwab spans from 1999 to the present, including roles at Schwab Private Client Investment Advisory, Inc. and Charles Schwab Bank. 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 SMA portfolios and a structured alternative investments program.

Alejandra Torres is currently a Planning Consultant at Fidelity Investments, where she collaborates with clients and Financial Consultants to develop and maintain customized financial plans tailored to clients' short- and long-term goals. She emphasizes understanding clients' priorities and works closely to identify strategies aligned with their objectives. Alejandra focuses on building and maintaining strong relationships through ongoing plan reviews and consistent communication. Her professional experience includes roles as a Relationship Manager and Financial Services Representative at Fidelity Investments, as well as a Personal Banker at Wells Fargo Bank. These positions have provided her with a foundation in financial services and client relationship management. Outside of her professional work, Alejandra enjoys food, tennis, and traveling.

Aimee Zedlitz is a financial advisor at Raymond James & Associates with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Raymond James & Associates since 2013. Raymond James & Associates, Inc. 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, institutional clients, and charitable organizations, offering financial planning and investment consulting through various advisory programs.

Wayne Davies is a financial advisor with Cetera, holding CFP® and ChFC® designations and possessing 29 years of industry experience. He is also a licensed attorney in Massachusetts and operates his own legal practice. His background includes extensive fiduciary roles and estate administration, serving as a personal representative and trustee in multiple capacities. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a broad range of portfolio management and financial planning services through a nationwide network of independent advisors and supports multiple program structures with discretionary and non-discretionary authorities.

Marc Stalvey is a CFP®-designated financial advisor with Edward Jones, based in The Villages, FL. He has 11 years of industry experience, all with Edward Jones since 2015. He serves as an Alumni Board Member for Central Florida Community College, assisting with alumni activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm manages over $1 trillion in assets through a large network of financial advisors and offers both discretionary and non-discretionary strategies under a fiduciary standard.

Cesar Armas Crespo is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Booking.com and Conduent. Outside of his advisory work, he manages GYMVERZE LLC, a business specializing in designing and printing custom logos on sports clothing. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 investment advice and access to discretionary separately managed accounts, supported by a centralized operational structure and a multi-asset investment approach.

Janine Klein is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 designations and 33 years of industry experience. She has worked at UBS since 2013 and previously held positions at Morgan Stanley and Citigroup Global Markets. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Jena Sullivan is a Series 66 licensed financial advisor with 19 years of industry experience. She has worked at Edward Jones since 2019 and previously was with LPL Financial and SII Investments. Outside her advisory role, she co-hosts a women's podcast and co-founded a networking group focused on personal and professional growth for women. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and strategies. The firm is notable for its large nationwide advisor network and affiliated financial services.

Andrew Goodwin is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked in various roles within Fidelity since 2014. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios built from a diversified investable universe.