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 in The Villages, FL, holding Series 63 and Series 66 credentials and four years of industry experience. His prior roles include positions at Fidelity Investments and various Morgan Stanley entities. Outside of his advisory work, he is involved as a tester at Electronic Arts Orlando Studio. Morgan Stanley Wealth Management serves individuals and institutional clients by providing comprehensive financial planning and advisory services, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques as part of its financial planning process.

Deanna Price is a financial advisor at Edward Jones with nine years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2017. Prior to that, she spent eight years with Florida Divorce Consultants. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and tax-efficient services, 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 65 and Series 63 licenses and bringing 23 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wachovia Bank, N.A. Outside of her advisory role, she serves as power of attorney for her mother. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individuals, corporations, and institutions. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, supported by research and analytics 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.

Robert Brown is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping clients develop personalized financial strategies that address their unique goals and priorities. His areas of focus include college education planning, family wealth management strategies, employee financial health, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, and retirement income. Robert holds a Bachelor's Degree and a Master's Degree from the University of West Florida. He has earned the Chartered Retirement Planning Counselor (CRPC) designation, which reflects his expertise in retirement planning. Through a disciplined and personalized approach, he assists clients in navigating financial decisions and adapting strategies to their evolving life circumstances. Outside of his professional work, Robert engages in personal interests such as adventure sports, skydiving, spending time with his family, watching movies, writing, and practicing yoga.

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 at Cetera with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Wells Fargo and AE Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large nationwide network of independent advisors.

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.

Steven Ferris is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Scott Windsor is a CFP® with 34 years of industry experience, currently affiliated with LPL Financial and Seacoast Bank. His prior roles include positions at Citizens First Bank, Infinex Investments, and BB&T Bank. He is based in The Villages, FL. Windsor has business involvement with Seacoast Wealth & Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

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.

John Romano is a CFP® professional affiliated with OSAIC, with 44 years of industry experience. He previously worked with Securities America Advisors, Inc. and Securities America, Inc. for 26 years and has been involved with Senior Capital Services for over 30 years. Romano is the author of the book *Distribution Strategies for Retirement*. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across various investment types.

William Spell III is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 17 years of industry experience. Prior to joining Raymond James in 2019, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he is involved as a managing member of an occasional charter service and assists with his wife's farming business. Raymond James & Associates is a 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, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Lance Larkin is a financial advisor with Charles Schwab, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Ameriprise Financial Services and TD Ameritrade. 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 advisory services and access to affiliated discretionary separately managed accounts. The firm is known for its large scale, integrated service model, and multi-asset strategic investment approach.

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 at LPL Financial with 21 years of industry experience. She holds Series 65 and Series 66 credentials and has worked at Ameriprise and several other firms prior to joining LPL Financial in 2026. Harris is also a notary public in The Villages, FL. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by in-house and third-party research.

Mark Dickerson is a CFP®-certified financial advisor with 29 years of industry experience, currently affiliated with LPL Financial since 2026. His prior roles include positions at Ameriprise Financial Services and Destiny Wealth Partners. Outside of his advisory work, he owns Divorce Financial Analysis, LLC, a business focused on divorce financial consulting. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement consulting, with both discretionary and non-discretionary management options.