Clay Palmer is the Senior Resident Director of The Villages Branch Office at Merrill Lynch and serves as a senior advisor for The Palmer Group. He has been with Merrill Lynch Wealth Management since 2008, focusing on portfolio construction, client reviews, and preparing retirement analyses for clients. Clay works with affluent families, individuals, and successful business owners in Central Florida, providing financial strategies and wealth management services. Before joining Merrill Lynch, Clay held various engineering and project management roles at Progress Energy, Florida. He holds a Bachelor's degree in Mechanical Engineering from Auburn University and earned a Master's degree in Business Administration from the University of Central Florida. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA). Clay resides in Lady Lake with his wife Jennifer and their children. His team focuses on understanding clients' financial lives in total, helping develop personalized financial and retirement income strategies, addressing estate planning needs, and advising on elder care, wealth preservation, and transfer strategies.

Anthony Gould is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2012, he has concentrated on portfolio analysis and the development of customized wealth management plans, including social security planning. Anthony specializes in family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. He holds a Bachelor’s Degree in Business Administration from the University of Central Florida and has earned several professional designations, including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Raised in Lady Lake, Florida, Anthony resides in Wildwood with his wife Kate and their children, Rylie and Bryson.

Patrick Fross is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He has been with LPL Financial since 2018 and has operated Fross & Fross Financial since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Jeananne Niemann is a CFP®-designated financial advisor with Edward Jones in Leesburg, FL, where she has worked since 2007, accumulating 18 years of industry experience. She holds the Series 66 license and has an inactive partnership in a boat delivery business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a large national network, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products.

Leslie Rodriguez is a financial advisor at Charles Schwab with 26 years of industry experience and holds Series 63 and Series 66 designations. She has been with Charles Schwab since 1999, including roles at Charles Schwab Bank and Schwab Private Client Investment Advisory, Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary guidance and access to affiliated discretionary separately managed accounts, supported by centralized custody and operational resources.

Alejandra Torres is currently a Planning Consultant at Fidelity Investments, where she collaborates with clients and Financial Consultants to develop and maintain customized financial plans tailored to clients' short- and long-term goals. She emphasizes understanding clients' priorities and works closely to identify strategies aligned with their objectives. Alejandra focuses on building and maintaining strong relationships through ongoing plan reviews and consistent communication. Her professional experience includes roles as a Relationship Manager and Financial Services Representative at Fidelity Investments, as well as a Personal Banker at Wells Fargo Bank. These positions have provided her with a foundation in financial services and client relationship management. Outside of her professional work, Alejandra enjoys food, tennis, and traveling.

Aimee Zedlitz is a financial advisor at Raymond James & Associates with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Raymond James & Associates since 2013. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering financial planning and investment consulting through various advisory programs.

Pravita Diaram Ramtahal is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She has worked at various J.P. Morgan entities since 2012, including Jpmorgan Chase Bank and JP MORGAN securities llc. She holds a Series 66 designation. 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. The firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Jason Spatafora is a Series 66-credentialed financial advisor with seven years of industry experience. He is currently with Edward Jones in Groveland, FL, where he has worked since 2017 across multiple roles and firms, including Suncoast Credit Union, CUNA Brokerage Services, Regions Bank, Pruco Securities, and Ameriprise Financial Services. 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 advisors and offers a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and tax-efficient services.

Wayne Davies is a financial advisor at Cetera with 28 years of industry experience. He holds the CFP® and ChFC® designations and has a legal background as an attorney licensed in Massachusetts, where he represents clients and prepares tax returns. In addition to his financial advisory work, he serves as a personal representative and trustee in various fiduciary roles. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform, supporting both discretionary and non-discretionary strategies across multiple program and custodial structures.

Marc Stalvey is a CFP® and Series 66-designated financial advisor with Edward Jones, where he has worked since 2015. He has 10 years of industry experience. Stalvey serves as an alumni board member for Central Florida Community College in Ocala, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Cesar Armas Crespo is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2021, and Charles Schwab Bank, SSB since 2023. Prior to his financial career, he held positions at Booking.com and several other companies. Outside of finance, he manages a business that designs and prints custom logos on sports clothing. Charles Schwab & Co., Inc. serves a large client base of 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, using multi-asset model portfolios and comprehensive due diligence on alternative investments.

Janine Klein is a financial advisor at UBS Financial Services with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2013. Based in Delray Beach, FL, she provides advisory services as part of a large institutional firm. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client plans.

Jena Sullivan is a Series 66 licensed financial advisor with 19 years of industry experience. She has worked at Edward Jones since 2019 and previously was with LPL Financial and SII Investments. Outside her advisory role, she co-hosts a women's podcast and co-founded a networking group focused on personal and professional growth for women. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and strategies. The firm is notable for its large nationwide advisor network and affiliated financial services.

Andrew Goodwin is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. He has been associated with various Fidelity entities since 2014, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and serves multiple registered investment companies and model portfolio platforms.

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.

Kim Pruitt is a financial advisor with LPL Financial who holds Series 63, 65, and 66 licenses and has 32 years of industry experience. She has been with LPL Financial since 2022 and has also worked with Cuna Brokerage Services, Inc. and Cuna Mutual Group since 2003. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management alongside research and model portfolios.

Daniel Guenther is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with LPL Enterprise since 2024 and previously worked at The Prudential Insurance Company of America and Pruco Securities, LLC for over three decades. Guenther engages in the sale of property and casualty insurance products as an additional business activity. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolio programs, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

William Blankenship II is a financial advisor at LPL Financial with 24 years of industry experience. He holds a Series 63 designation and previously worked at Ameriprise Financial Services, Inc. for nine years before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm offers a range of financial planning, advisory programs, and retirement plan consulting services, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.