Nicholas Irving is a financial advisor with LPL Financial in Bradenton, FL, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial and Irving Financial Group, he worked in the automotive and service industries. Outside of advising, he is involved with Pressure Kingdom, LLC, an outdoor services business. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Mark Campbell is a financial advisor with Morgan Stanley in Bradenton, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Bank of America, and Merrill. Outside his advisory work, he is the sole proprietor of Girard & Fedora LTD, a real estate investment business based in Miami. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, focusing on financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning services through its Financial Advisors and Estate Planning Strategies Group.

Michael Kruse is a financial advisor with Thrivent Investment Management in Bradenton, FL, holding Series 63 and Series 65 licenses and two years of industry experience. His background includes positions at Thrivent Financial and People Incorporated Mental Health Services. Outside of advising, he performs clerical administrative work for a structural steel design company. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors, offering comprehensive, goal-based planning across various financial topics without discretionary trading authority.

Jay Boswell is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has worked at J.P. Morgan Securities since 2018 and previously held roles at Wells Fargo Bank and Wells Fargo Clearing Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that focuses on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team and includes an ESG eligibility framework in its recommendations.

Thomas Kornett is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 27 years of industry experience. His prior firms include Merrill, Bank of America, PNC Wealth Management, and Hancock Whitney Bank. He serves as president of the board of directors for the Manatee Library Foundation and is a board member of the Manatee Education Foundation. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Eric Palpacuer is a CFP®-certified financial advisor with 11 years of industry experience, currently with Fisher Investments since 2014. He holds Series 63 and Series 65 licenses and is based in Wimauma, FL. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management, sub-advisory, and retirement plan services across equity, fixed-income, and blended mandates. The firm employs a centralized investment approach combining quantitative and qualitative research to construct diversified portfolios, serving clients including pension plans, foundations, investment companies, and high-net-worth individuals.

Sandra Cutcliffe is a financial advisor at Ameriprise with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Ameriprise since 2009. Outside of her advisory role, she serves on the Board of Directors for America's Boating Club of the Bradenton Area. Ameriprise provides a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm combines research and modeling with tax-efficient strategies and offers a range of advisory, brokerage, and insurance solutions through its affiliated companies.

Chad Fratto is a financial advisor with LPL Financial in Bradenton, FL, holding a Series 66 designation and 13 years of industry experience. His career includes roles at Commonwealth Financial Network, Royal Alliance Associates, Signator Investors, and Waddell & Reed. 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 through a large network of investment adviser representatives. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a variety of investment strategies and technologies.

Clifford Schulz is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, Schulz is a partner in Schulz Farm, an agricultural business in La Crosse, Wisconsin. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs and tailored financial planning supported by a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a broad range of investment and planning services.

Robert Latessa is a financial advisor with Morgan Stanley in Bradenton, FL, holding a Series 66 designation and 13 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and employer-sponsored financial planning arrangements.

Meghan Corcoran is a financial advisor with Edward Jones in Lakewood Ranch, FL, holding a Series 66 designation and six years of industry experience. Her prior work includes roles at Bank of America, N.A. and Merrill. She was also involved with the Jay Corcoran Memorial Scholarship Foundation for 16 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a wide range of advisory solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kimberly Lutes is a financial advisor at LPL Financial with 15 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at firms including Fifth Third Bank, Fisher Investments, and Wells Fargo. Outside of her advisory role, she is the owner of a real estate business based in Harrisburg. 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 range of financial planning and investment services delivered through a large network of advisors using various portfolio management strategies.

David Cohen is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been involved in the financial services industry since 1998 and joined Merrill Lynch Wealth Management as a Financial Advisor in 2002. David focuses on working with high-net-worth clients and their families, emphasizing a planning-based approach to help them understand and achieve financial independence. His primary areas of focus include Retirement Income Planning, Portfolio Management, and Wealth Transfer. He collaborates closely with clients' tax and legal advisors to deliver comprehensive wealth management plans. David holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He maintains several registrations with the Financial Industry Regulatory Authority (FINRA) and holds Life, Health, and Long-Term Care insurance licenses. He earned a Bachelor of Science degree in Finance from the University of Tampa and completed the Wharton Business School Executive Education Program. Outside his professional role, David is an avid sport fisherman and a US Coast Guard licensed Captain. Over more than two decades, his practice has become multi-generational, serving clients across several family generations.

Jeffrey Moll is a financial advisor with Mass Mutual Investors Services in Lakewood Ranch, FL, holding Series 63 and Series 65 designations and 40 years of industry experience. He worked at Metlife Securities Inc. for 32 years before joining Mass Mutual Life Insurance Company in 2016 and Mass Mutual Investors Services in 2017. He is also an independent insurance agent specializing in dental and group disability income, disability, life/accident/health, LTC, and Medicare-related products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations and structured, ongoing collaborative planning relationships.

Darin Pierce is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Commonwealth Equity Services, Inc. since 1997. Pierce is also president and part owner of Financial Services of Bradenton, Inc. and Insurance Services of Bradenton, private entities supporting his securities and insurance business operations. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

Ronald Valdez is a financial advisor with Fidelity who holds Series 63 and Series 65 designations and has 22 years of industry experience. His prior experience includes seven years at Edward Jones before joining Fidelity in 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves in advisory roles for multiple registered investment companies and fund-of-funds.

Ryan Stevens is a financial advisor with Ameriprise Financial Services, holding Series 65 and Series 63 licenses and bringing 28 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Raymond James & Associates, and Comerica Securities. Outside of advising, Stevens serves as an assistant tennis coach at Wayne State University. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on tax-aware withdrawal strategies and dependable income sources.

Phyllis Gau is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its affiliated entities since 2007. Gau volunteers as a teacher with Junior Achievement of the Quad Cities. Morgan Stanley Wealth Management is an investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

William Hazel is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cedar Wealth Management and Eubel Brady & Suttman. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a variety of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms.

Pablo Miranda is a financial advisor with Fidelity Investments and holds Series 63 and Series 66 credentials. He has 18 years of industry experience, including roles at Morgan Stanley and USAA Financial Advisors. His career also includes a decade at The Clara Abbott Foundation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including managing model portfolios that combine fundamental research with quantitative and algorithmic methods. The firm serves a variety of clients through discretionary and non-discretionary advisory services and is noted for its use of systematic portfolio construction and formal advisory roles to registered investment companies.