Tammy Engel is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and having four years of industry experience. She has worked at Transamerica Investors Securities Corporation since 2022 and at Transamerica Life Insurance Company since 2017. Her earlier experience includes roles at Innovative Designs Inc., R'Club, and the Pinellas County School District. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed and advisory services focused on asset allocation, contribution rates, and retirement timing. The firm uses proprietary tools from Morningstar Investment Management for portfolio construction and oversight, providing both discretionary and non-discretionary advice to a large client base.

Michael Garaja is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. He has been with Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2013. Outside of his advisory work, he also drives part time for Uber on nights and weekends. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm leverages Morningstar Investment Management’s proprietary tools and model portfolios to provide personalized asset allocation and retirement guidance.

Fred Barnard Jr. is a financial advisor with Lincoln Investment in St. Petersburg, FL, holding Series 63 and Series 65 credentials and 25 years of industry experience. He previously worked at Legend Equities Corporation for 17 years before joining Lincoln Investment in 2017. Barnard also serves as an insurance producer for several companies, including American Equity Investment Life Insurance Company and Equitrust. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and portfolio management services, utilizing both strategic and tactical investment approaches overseen by its Investment Management & Research team.

Tyler Trunko is a CFP® and Series 65-licensed financial advisor with three years of industry experience. He is currently with AE Wealth Management, LLC and previously worked at Trinity Wealth Securities, LLC and Florida Financial Advisors. Trunko serves on the University of Tampa Board of Counselors, where he participates in alumni support activities. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, and charitable organizations. The firm offers model portfolio solutions, discretionary asset management, financial planning, and plan services through a platform that integrates multiple model strategies and advisor-managed portfolios.

Karolina Dunn is a financial advisor at Janney Montgomery Scott with a Series 66 credential and two years of industry experience. Prior to her advisory career, she was a professional golfer on the LPGA Epson Tour and served as a board member of the Pasadena Yacht and Country Club in Gulfport, FL. Janney Montgomery Scott is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse clientele including individuals, families, and institutional clients, offering a range of brokerage, financial planning, and advisory services supported by in-house and third-party portfolio management.

Steven Hart is a financial advisor with Fifth Third Securities, Inc., holding Series 66 and Series 63 licenses and 14 years of industry experience. His prior roles include positions at Fisher Investments, Personal Capital, and Charles Schwab. He is currently based in Seminole, FL. Fifth Third Securities, Inc. serves a diverse client base including high-net-worth individuals, institutions, and business entities through investment advisory and brokerage services. The firm offers multiple managed account programs via the Passageway platform, combining third-party portfolio management with advisor-directed strategies.

Joshua Green is a CFP® professional with 15 years of experience in the financial services industry, currently associated with Steward Partners Investment Advisory, LLC. His prior work includes roles at Raymond James and T. Rowe Price. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in assets, serving individuals, institutions, and charitable organizations with investment advisory, financial planning, pension consulting, and managed account programs. The firm provides discretionary and non-discretionary portfolio management through a variety of proprietary and third-party solutions, supported by coordinated due diligence and custodial partnerships.

Austin Lentz is a financial advisor with Guardian Life in Saint Petersburg, FL, holding a Series 66 designation and 11 years of industry experience. He has been with Guardian Life and its affiliated entities since 2016. Outside of his advisory role, he is involved in TAL Ventures, LLC, a joint family real estate business. Guardian Life’s Park Avenue® Wealth Management serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients, offering brokerage services, financial planning, and a combination of proprietary and third-party investment advisory programs.

Tracy Timmerman is a financial advisor with Fifth Third Securities, Inc., holding a Series 66 license and bringing 27 years of industry experience. She has worked at Fifth Third Securities and Fifth Third since 2016, following five years at MWA Financial Services, Inc. and Modern Woodmen of America. Outside of her advisory role, she is involved as a hotspot host for Helium in St. Petersburg, FL. Fifth Third Securities, Inc. offers brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors. The firm provides multiple discretionary managed-account programs through its Passageway Managed Account Program and is notable for its municipal-advisor registration combined with its affiliation with Fifth Third Bank.

Nadav Baum is a financial advisor with Janney Montgomery Scott in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Janney Montgomery Scott for 10 years. Outside of his advisory role, Baum participates in community efforts through the Developmental Committee Peace Initiative, which focuses on raising awareness and funds against hate crimes, and serves on the Business Advisory Council at Indiana University of Pennsylvania. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering a range of brokerage, financial planning, and advisory services supported by both in-house and third-party portfolio management.

Cameron Barrier is a financial advisor at Hornor, Townsend & Kent, LLC with one year of industry experience. He holds Series 63 and Series 66 licenses and has prior work history including roles at Penn Mutual Life Insurance Company and TQL. Barrier is also active as an insurance agent with New Day Financial Advisors, LLC, focusing on insurance sales and service including Penn Mutual life products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services through third-party asset manager platforms along with financial and retirement plan consulting. The firm emphasizes client-directed implementation and oversight and manages the majority of its client assets on a non-discretionary basis.

Assen Kuklin is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has worked at several firms, including Dempsey Lord Smith, LLC, Arkadios Wealth Advisors, Skyway Capital Markets, LLC, and SQN Securities, LLC. Kuklin is also an officer and director of Wealth Retirement Solutions, a marketing DBA related to his advisory work. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of advisory programs through its AccessPoint platform and third-party asset managers, managing approximately $11.3 billion in assets with both discretionary and non-discretionary account options.

Alejandro Goicoechea is a financial advisor with Truist Advisory Services in Tampa, FL, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has worked with Suntrust Advisory Services and Suntrust Investment Services since 2016 and Suntrust Bank since 2013. Outside of his advisory role, he is employed in a casual dining restaurant as kitchen help. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and manager selection services, using a combination of discretionary and non-discretionary approaches supported by inter-affiliate integration and AI-enabled research tools.

Daniel Mageras Jr. is a Certified Financial Planner® with 27 years of industry experience, currently serving at Independent Financial Partners. He has held roles at IFP Securities, LLC and LPL Financial. Mageras is a board member of the St. Petersburg Museum of History and volunteers as a financial education instructor with the American Financial Education Alliance. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm offers a decentralized advisory model with options for centralized asset management and is notable for its formal retirement-plan advisory and pension consulting capabilities.

Tina Boeving is a financial advisor with Osaic Advisory Services, LLC and holds a Series 66 designation. She has 13 years of industry experience, including roles at Arbor Point Advisors and Securities America Advisors, and also provides advisory services through Bay View Capital, Inc. in St. Petersburg, FL. Osaic Advisory Services is an SEC-registered investment adviser serving a diverse client base ranging from individuals and high-net-worth clients to pension plans, corporations, and charitable organizations. The firm offers a variety of investment management and financial planning services delivered through multiple program models and access to a range of third-party platforms and alternative investments.

Peter Pastman is a financial advisor with Commonwealth Financial Network based in Saint Petersburg, FL. He holds the CFP® designation and has 16 years of industry experience. Prior to joining Commonwealth, he worked at Raymond James Financial Services and Goodrich Wealth Planning. He is also the owner of Keystone Financial Planning, LLC. Commonwealth Financial Network is a registered investment adviser that supports a national network of approximately 2,950 advisors, offering a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm provides operations, trading, technology, compliance, and practice-management support to affiliated advisors.

Todd Youngs is a CFA® charterholder with 12 years of industry experience, currently serving at Corient in St. Petersburg, FL. His prior roles include positions at CI Doyle Private Wealth, LLC, and CIPW Service Company, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house security and fixed-income strategies with third-party managers and customized asset allocation, utilizing advanced risk management and monitoring tools.

John Galligan III is a financial advisor with Truist Advisory Services, holding Series 65 and Series 66 licenses and bringing 25 years of industry experience. He has worked at SunTrust Advisory Services and SunTrust Investment Services, Inc. since 2015. Outside of his advisory role, he serves as an election inspector for the Pinellas County Supervisor of Elections Office. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and a manager-selection program, implementing advice through discretionary and non-discretionary approaches combined with third-party platforms and AI-enhanced equity research.

Christopher Keller is a financial advisor at Corient with a Series 65 credential and three years of industry experience. His prior roles include positions at CIPW Service Company, CI Doyle Private Wealth, and Corient Services LLC. Corient provides investment advisory and financial planning services to a diverse client base that includes individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party manager solutions, continuous portfolio monitoring, and advanced risk management tools.

Jeffrey Smith is a financial advisor with \&PARTNERS, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His prior roles include nine years at Wells Fargo Clearing and two years at Wells Fargo Advisors LLC. He also serves as co-trustee for his father's trusts. \&PARTNERS serves a diverse client base including individuals, retirement plans, charitable organizations, foundations, universities, and sovereign wealth funds. The firm offers both investment advisory and brokerage services, utilizing a combination of proprietary models and third-party managers on the Envestnet platform.