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.

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.

Brandon Hill is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His career includes roles at Charles Schwab, TD Ameritrade, Scottrade, and Fidelity. Outside of finance, he has been involved with the Florida Lacrosse Officials Association since 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary program emphasizes written 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.

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.

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.

Linda Bennett is a financial advisor with Ameriprise in Leesburg, FL, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory work, she owns a family farm, Crazy Ladies Farm, LLC, which produces blackberries and alpacas and is managed by her daughter. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to create personalized income plans. As a large institutional firm, Ameriprise also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Jon Harper is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. He began his career with Fidelity in 2011 and has served in multiple roles including Investment Consultant and Account Executive. Prior to joining Fidelity, Jon worked as a Financial Advisor with Commonwealth Financial Network and New York Life. Jon's professional experience spans over a decade in financial advisory roles, where he has focused on assisting clients in pursuing their financial goals. He emphasizes integrity and dedication in his work, aligning with Fidelity's trusted brand and investment options. Outside of his professional life, Jon enjoys cooking and baking, participating in family activities, and engaging in fitness-related pursuits such as football, golf, and running.

Elizabeth Moore is a financial advisor at Wells Fargo Advisors with 15 years of industry experience. She holds the Series 66 designation and previously worked at Edward Jones for 15 years before joining Wells Fargo Advisors. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and sports & entertainment planning, using proprietary research and planning tools.

Margaret Harcar is a Series 65-licensed financial advisor with 27 years of industry experience. She has worked primarily with Securities America from 1997 to 2024 before joining OSAIC in 2024. Outside of her advisory role, she sells vintage and used items on eBay through an online store. OSAIC is a multi-advisor platform serving a wide range of retail and institutional clients. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a diverse set of investment programs delivered through affiliated broker-dealer and RIA relationships.

Joshua Chase is a Series 65 licensed advisor with 13 years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at B. Riley Wealth Advisors, B. Riley Wealth Management, and Kingsview Asset Management. Outside of his advisory work, he participates in a consumer survey panel unrelated to investments. 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 a wide range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and oversight of over $819 billion in discretionary assets.

Fulbia Westfall is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She previously worked at Prudential Equity Group, LLC from 1997 to 2003. Outside of her advisory role, she works part-time as a cashier at Publix in Ocala, 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party providers.

Julie Riley is a financial advisor with Raymond James & Associates in Tavares, FL, holding a Series 66 designation and 24 years of industry experience. She has been with Raymond James & Associates since 2010 and previously worked at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers a range of financial planning and consulting services, utilizing various portfolio management styles and affiliated research, with a notable presence in municipal advisory services.

Renee Burke is a CFP® professional with 12 years of experience in the financial industry, currently serving clients at Edward Jones since 2014. She holds the Series 66 designation and is based in Mt Dora, FL. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a broad range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Brian Colvin is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. His prior roles include positions at Ameriprise Financial, Thrivent Financial, and New Paradigm Group. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a broad range of advisory programs, managed solutions, and affiliated investment products with a nationwide network of financial advisors and branches.

Michael Laliberte is a financial advisor at Cambridge Investment Research Advisors with 26 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His prior experience includes roles at MSI Financial Services, Focal Point Advisors, and KeyBanc Capital Markets. Outside of advising, Laliberte is involved in several business ventures including ownership and management roles in family wealth and tax advisory firms, philanthropic work through a family wealth foundation focused on eradicating entrepreneurial poverty, and volunteer service as a treasurer for a homeowners association. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension funds, and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, operating through thousands of financial professionals and managing a multi-billion dollar asset base across multiple platforms and custodians.

Lindy Brock is a Series 66-licensed financial advisor with 10 years of industry experience, currently affiliated with OSAIC since 2023 and Sagepoint Financial, Inc. since 2016. She holds roles at Elliott Wealth Management, LLC, including Executive Vice President of Practice Management and Senior Wealth Advisor, where she is involved in practice management, staff training, and wealth management advisory services. OSAIC Wealth serves a wide range of clients including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with a model-based investment approach emphasizing asset allocation and portfolio optimization, supported by various advisory and brokerage programs.

Tamim Safazada is a Planning Consultant at Fidelity Investments, where he partners with clients to develop personalized financial planning and investment strategies tailored to their unique financial needs. He collaborates with a team of financial consultants and professionals to ensure that clients receive guidance that fosters comfort and confidence in their financial decisions. He has been with Fidelity Investments since 2020, progressing through roles such as Workplace Planning Associate, Workplace Planning Consultant, and Workplace Planning Consultant II before assuming his current position in 2023. Throughout his tenure, Tamim has worked closely with clients to support their financial planning objectives. Outside of his professional duties, Tamim has interests in cooking and baking, fitness, social events with friends, gardening, movies, and traveling.

Michael Ary is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and 37 years of industry experience. He has been with Raymond James & Associates since 2013. 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, institutional and pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Matthew Hackler is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has eight years of industry experience. Prior to Raymond James, he worked at Collier & Hackler Financial and Steling Financial Group. Hackler serves as vice president and treasurer of a nonprofit organization and chairs the board of the Florida Hospital Waterman Foundation’s Finance Committee. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports advisory programs and institutional consulting through a large advisor network.

John Larsen is a Financial Consultant currently working at Fidelity Investments since 2021. He has experience in various roles within the financial services industry, including positions such as Private Client Financial Advisor and Private Client Banker at JP Morgan Chase from 2019 to 2021. Prior to these roles, he held several positions at Fidelity Investments, including Financial Representative, Client Relationship Manager, and Investment Solutions Representative between 2016 and 2019. John focuses on understanding his clients' financial objectives and partnering with them to develop customized financial plans. His approach centers on integrity and a desire to help clients reach their financial goals.