Michael Kruse is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Thrivent Financial and related entities since 2023. Outside of his advisory role, he serves as an administrative assistant for a structural steel design company, handling communications with project managers and clients. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based planning across a range of financial topics, offering these services as standalone or combined with managed accounts under a consolidated billing option.

Jay Boswell is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 63 and Series 66 designations and has worked at several firms including Wells Fargo and JPMorgan Chase Bank. Boswell is based in Bradenton, Florida. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Thomas Kornett is a financial advisor with Cetera, holding Series 63 and Series 65 designations and has 26 years of industry experience. His prior employment includes roles at Merrill and Bank of America from 2015 to 2021, as well as Hancock Whitney Bank since 2021. 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 advisor serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and consulting services, supporting over $256 billion in assets under management.

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.

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.

Gerald Lamalfa is a CFP® professional with 40 years of experience in the financial services industry. He has been with LPL Financial since 2018 and previously worked at SII Investments, Inc. from 2016 to 2018. 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 offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and technology-driven investment strategies.

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.

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.

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 at Ameriprise Financial Services with 28 years of industry experience. He has held positions at Ameriprise since 2020 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors from 2012 to 2020. Outside of his advisory role, Stevens serves as an assistant tennis coach at Wayne State University. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice, focusing on income sources and tax-aware withdrawal strategies.

James White is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 registrations and has previously worked at Oppenheimer & Co. Inc, Wells Fargo Clearing, and Wells Fargo Advisors, LLC. In addition to his advisory work, he is an author. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing model portfolios, research, and technology-driven approaches.

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 22 years of industry experience. He previously worked at Cedar Wealth Management from 2016 to 2024 before joining LPL Financial. Hazel holds Series 63 and Series 65 licenses. Outside of his advisory role, he has involvement in real estate investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Thomas Maurer is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. His prior work includes 17 years at H. Beck, Inc. and ongoing ownership of Matthew516, Ltd., as well as independent insurance agency activities through Maurer Financial Services. He also serves on the board of Lakeview Professional Building. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a range of strategies including proprietary models and third-party managers across multiple platform arrangements.

Angela Renna is a financial advisor at LPL Financial with 19 years of industry experience. She holds the Series 66 designation and previously worked at OSAIC and Sii. Renna is also involved in health insurance and Medicare through Sterling Benefits Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations via a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and various specialized investment strategies.

William Maegerlein is a financial advisor at Edward Jones in Bradenton, FL, with nine years of industry experience and a Series 66 designation. He has been with Edward Jones since 2017 and has also been involved with Strata Consulting since 2015. Outside of his advisory work, he participates as a pitmaster in competitive barbecue events. 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 national network of financial advisors and branch offices.

Oscar Lopez Gutierrez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His work history includes roles at Bank of America and Merrill, as well as a position at J-Los Beauty Supply. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Richards is a financial advisor at UBS Financial Services with 15 years of industry experience. He has worked at UBS since 2019 and was previously employed at Morgan Stanley Smith Barney from 2015 to 2019. Richards holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.