Sandra Sulik is a financial advisor at Morgan Stanley with 33 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Merrill for 36 years before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and analysis from its Global Investment Committee.

Stephen Ryan is a financial advisor with Raymond James & Associates in Eustis, Florida, holding a Series 66 designation and 19 years of industry experience. Prior to joining Raymond James in 2019, he worked at Wells Fargo Clearing and Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning and consulting services through a variety of portfolio management styles and supported by affiliated research and sub-advisers.

Luke Emerson is a CFP® and holds a Series 66 license with nine years of industry experience. He has been with Edward Jones since 2017 and previously served in the United States Army for 20 years. He is based in The Villages, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers discretionary and non-discretionary investment strategies, access to separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Robert Luther is a Wealth Management Advisor with Merrill Lynch Wealth Management and a senior advisor for The Luther Group. Since beginning his career in financial services in 2002, he has focused on estate planning strategies, portfolio construction, and client reviews. He was the founding president of the Tri-County Estate Planning Council of The Villages, Florida, and is a member of the Estate Planning Council of Marion County, Florida. Robert holds several professional designations, including Chartered Financial Consultant® (ChFC®), Chartered Life Underwriter® (CLU®), Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated from Florida State University with a bachelor's degree and also completed a master's degree at the same institution. His client focus areas include college education planning, family wealth management strategies, legacy planning, portfolio management services, women and wealth, and retirement income. Robert resides in Fruitland Park, Florida, with his family. His personal interests include adventure sports, biking, and chess.

Amanda Prescott is a Financial Consultant at Fidelity Investments, a role she has held since 2026. She joined Fidelity Investments in 2021 as a Planning Consultant, bringing with her prior industry experience. Her career includes positions as a Retirement Plan Consultant at VALIC Financial Advisors and Transamerica, as well as roles in banking and investment consulting at JPMorgan Chase and TD Ameritrade. Throughout her career, Amanda has focused on providing personalized financial guidance tailored to the goals and needs of her clients. She emphasizes listening and understanding individual priorities to help clients and their families work toward financial objectives and prepare for life's milestones. Outside of her professional work, Amanda enjoys activities such as going to the beach, attending concerts, fitness, exploring culinary experiences, kayaking, and spending time with her pets.

Tracy Belton is a financial advisor at Raymond James & Associates with 43 years of industry experience. She holds the Series 63 designation and has been with Raymond James since 2010. Belton also serves on the board of the Lake County Museum of Art. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles and research resources.

Donald Oblazney Jr. is a financial advisor with Edward Jones in Leesburg, FL, holding a Series 66 designation and eight years of industry experience. He has worked at Edward Jones since 2018 and previously spent 27 years at Adtalem Global Education. 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 options, supported by a large network of financial advisors and branch offices nationwide.

Greg Harmon is a Planning Consultant at Fidelity Investments, where he partners with clients and their Wealth Planners to assist in establishing personalized financial plans. His role involves supporting investment decisions across various objectives including growth, income, and legacy planning, collaborating within a team dedicated to clients' financial journeys. Greg has extensive experience in the financial advisory field, having held roles at multiple firms. His career includes positions as a Financial Advisor at Royal Alliance Associates, Edward Jones, Merrill Lynch, Compass Brokerage, UBS Financial Services, and A.G. Edwards & Sons. Additionally, he served as an Investment Consultant at Scottrade from 2009 to 2018. Outside of his professional work, Greg's personal interests include beach activities, boating, camping, music, and parenthood.

Benjamin Ow is a financial advisor with Morgan Stanley, holding Series 66 and Series 63 licenses and four years of industry experience. He has worked at Morgan Stanley and its Private Bank, as well as Fidelity Investments. Outside of finance, he is involved as a tester for Electronic Arts Orlando Studio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Deanna Price is a financial advisor at Edward Jones with nine years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2017. 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, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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 registrations and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Danielle Delong is a financial advisor with Cetera and holds Series 63 and Series 65 licenses. She has 10 years of industry experience, having worked at firms including Wells Fargo and AE Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes multiple program structures and custodial relationships.

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, holding Series 65 and Series 63 licenses and bringing 34 years of industry experience. His prior experience includes a 22-year tenure at UBS Financial Services. Outside of his advisory work, he is the sole proprietor of Whoa Joe LLC, a real estate-related business in The Villages, Florida. Morgan Stanley Wealth Management provides advisory services and tailored financial planning to both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and economic modeling to assist clients in financial decision-making.

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.