Madeline Carter is a financial advisor at Raymond James & Associates with three years of industry experience. She holds a Series 66 designation and previously worked at Equitable Advisors LLC and has a background that includes roles at Rollins College's Crummer Graduate School of Business and ACE Hardware. 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 charitable organizations, providing financial planning and investment consulting with a range of portfolio management styles and municipal advisory services.

Baxter Smith Jr. is a financial advisor with Ameriprise, holding a Series 63 designation and 39 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides advisory, brokerage, and insurance solutions through affiliated companies, utilizing a combination of research, modeling, and tax-efficiency analysis to develop personalized retirement income recommendations.

Jarrod Council is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. His background includes roles at Prudential Insurance Company of America and service in the United States Air Force for 22 years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and incorporates ESG considerations within a broad range of investment strategies.

Parker Brown is a financial advisor at Edward Jones with four years of industry experience. He holds the Series 66 designation and previously spent ten years at Brown Auto Sales. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of advisors and branch offices nationwide.

Patrick Kavanaugh is a financial advisor with Merrill, holding Series 65 and Series 63 credentials and eight years of industry experience. He has worked at Bank of America and Merrill since 2021 and previously spent over a decade with Fifth Third and its affiliated broker-dealer. Outside of his advisory role, he is the owner of The Bowl Bar LLC, a limited liability company based in Windermere, Florida. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Charles Thompson is a CFP® and ChFC® financial advisor with Raymond James & Associates, bringing six years of industry experience. Prior to joining Raymond James in 2020, he spent 19 years at Munn's Sales & Service, Inc. 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 charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Christopher Hudgens is a financial advisor at LPL Financial with 28 years of industry experience. He holds a Series 63 designation and has worked at firms including Raymond James Financial and Waddell & Reed. Hudgens also operates CSHudgens Capital Management as a side business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with a range of discretionary and non-discretionary investment strategies.

Michael Rose is a Wealth Management Advisor with over 24 years of progressive experience in retail, commercial, and wealth management. He focuses on full-service wealth management planning, asset management, and risk mitigation, assisting clients with portfolio management, retirement planning, business succession planning, 401(k) services, estate planning strategies, portfolio construction, and risk management through insurance, long-term care, and annuities. Michael holds a Bachelor's degree from Radford University and a Master's degree in Business Administration from the University of Florida. He maintains professional designations including Chartered Financial Consultant (ChFC) and Personal Investment Advisor (PIA). His client focus areas include college education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. Outside of his professional activities, Michael enjoys baseball, boating, cooking, fishing, football, golfing, horseback riding, reading, tennis, and woodworking. He is affiliated with Merrill Lynch Wealth Management and resides in Ocala with his family.

Jason Woodall is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He has been with LPL Financial since 2009. Outside of advisory services, he offers property and casualty insurance through Woodall and Associates, LLC as a supplemental business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment solutions, including model portfolios and third-party asset management, supported by a large network of advisors and extensive operational tools.

Frederic Siyufy is a Senior Financial Advisor with Merrill Lynch Wealth Management based in The Villages, Florida. He began his financial services career in 1988 and has developed extensive experience managing individual wealth through multiple and complex market cycles. His primary focus includes investment planning for retirement, where he employs a comprehensive approach that starts with understanding each client's unique goals and needs. Frederic holds a Bachelor's Degree from the University of Central Florida and the Personal Investment Advisor (PIA) designation. In addition to his professional responsibilities, he dedicates time to volunteering with community organizations, reflecting a commitment to the tradition of community involvement upheld by Merrill Lynch.

David Dagostino is a financial advisor at Cetera with 31 years of industry experience. He holds the Series 63 and Series 65 credentials and has been associated with Cetera and its affiliated entities since 2013. Outside of his advisory role, he serves as Chairman of the Tavares Chamber of Commerce and acts as a polling place deputy for the Lake County Supervisor of Elections. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to various investment strategies and program structures.

Richard Bowler is a financial advisor at Charles Schwab with 30 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. Prior to joining Charles Schwab, he worked at TD Ameritrade and Fidelity in various advisory roles. Outside of his advisory work, Bowler is a drummer in a band and coaches youth football. 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 separately managed accounts and offers a multi-asset model portfolio investment approach supported by centralized custody and operational infrastructure.

Tyler Carver is a financial advisor with Raymond James & Associates, holding a Series 66 credential. He began his advisory role in 2026 and has previous experience at Hertz Global Holdings Inc., Bonita Endodontics, and Bed Bath & Beyond. Tyler is based in The Villages, 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 diverse client base including individuals, institutions, charitable organizations, and municipal entities, offering financial planning and investment consulting through various specialized programs and research-supported strategies.

Robin Morgan is a financial advisor with Charles Schwab, holding a Series 66 designation and 22 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2011. 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 both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and includes access to alternative investments through a dedicated due diligence process.

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.