Michael Legge is a CFP® professional with one year of experience, currently affiliated with Cetera. His prior roles include positions at Northern Trust Company, Sabal Trust Company, and J.P. Morgan Securities LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with options for customized investment strategies.

David Evans II is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Ameriprise, Wells Fargo Clearing, and CUNA Brokerage Services. He has also served as a senior financial advisor at Suncoast Credit Union since 2008. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Ryan Malo is a financial advisor at Ameriprise with six years of industry experience. He holds the Series 66 designation and has worked with Ameriprise since 2020. Prior to his financial advisory career, Malo was involved in education roles at K12 - Florida Cyber Charter Academy, Brooks DeBartolo Collegiate High School, and Kaneland CUSD #302. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on income sources and tax-aware withdrawal strategies.

Amy Barkalow is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and 29 years of industry experience. She has worked at Cambridge Investment Research, Inc. and the Financial Planning Center since 2003 and previously spent 11 years with Aurgroup Financial Credit Union. Barkalow is also a notary public and an independent insurance agent. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and provides access to multiple platforms, proprietary model strategies, and third-party advisers.

Kenneth Carruba is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 33 years of industry experience, including prior roles at Waddell & Reed, Inc., Carruba Quealy & Associates, and Silent Partners Technology, where he was also a business owner. Outside of his advisory work, he has owned an insurance business and maintained involvement in investment-related activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions. The firm offers advisory and brokerage services supported by a broad range of investment options and operational tools, with oversight of over $819 billion in discretionary assets and a network of more than 22,800 advisors.

Lori Abbazia is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 credentials and has 31 years of industry experience. She previously worked at JPMorgan Securities and David Lerner Associates. Outside of finance, she owns a small craft business, Color Pop by Loribop!, which operates on weekends. 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 investors. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers unique municipal advisory services and SIMPLE IRA employer consulting programs.

April Bronson is a financial advisor at OSAIC with 16 years of industry experience. She holds the Series 66 designation and has worked previously at Raymond James and Associates, Signator Investors, Inc., and Full Circle Financial. Outside of her advisory role, she owns and operates Bronson's Crafts N Such, where she creates and sells hand-painted wood items. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance tools and allows advisors to implement discretionary strategies or select third-party managers.

Jodi Perez is a CFP® professional affiliated with Raymond James Financial Services Advisors, Inc. She has 40 years of industry experience and has held roles at multiple financial firms since 2012. Perez is also a partner in Holliday/Perez, LLC, which owns the office building where her practice is located. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary planning and supports a broad advisor network, with specialized municipal and public finance services.

Robert Hall is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. His work history includes roles at Bank of America, Pinnacle Financial Services, and Transamerica Financial Advisors. Outside of advisory work, he operates Robert Hall Enterprises, providing occasional assistance with business documents and taxes, and is involved as an independent agent assisting with Medicare enrollment and debt reduction programs. Merrill, together with its affiliate Managed Account Advisors LLC, 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 plans, corporations, and charitable organizations.

Frederick Cardinale is a CFP® and PFS™ with 30 years of industry experience, currently serving at Cetera. He has held roles at Avantax Insurance Agency, Avantax Advisory Services, and has owned Cardinale Financial Group, LLC since 2009, where he manages tax preparation and accounting services. He is also Treasurer of the Oak Ridge Professional Park Owners Association. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm that serves individual, retirement plan, corporate, charitable, and institutional clients. 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 money managers.

Robert Severin is a financial advisor with Merrill in Wesley Chapel, FL, holding a Series 66 designation and seven years of industry experience. He has been affiliated with both Merrill and Bank of America, N.A. since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies designed by internal and third-party managers.

Brett Bennett is a financial advisor at Fidelity with 16 years of industry experience. His previous roles include positions at Charles Schwab, E*TRADE Capital Management, and Fidelity Investments. Outside of his advisory work, he is a passive co-owner of a freight logistics franchise. Brett works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a process combining proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

David Rosensteel is a financial advisor with LPL Financial in Port Richey, FL, holding Series 63 and Series 65 licenses and having 30 years of industry experience. His prior work includes roles at Independent Financial Partners and Mutual Service Corporation. He is also a CPA and spends part of his time on tax preparation and bookkeeping services. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Stirling Heath is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 13 years of industry experience. His prior work includes roles at LPL Financial, Allianz Life Insurance Company of North America, and Jackson National Life Distributors. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions, relying on research and analytics to guide investment decisions.

Paul Vogel is a financial advisor with LPL Financial in Odessa, FL, holding a Series 63 designation and 39 years of industry experience. His prior roles include positions at Ameriprise Financial Services, JHS Capital Advisors, and Raymond James & Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Randy Perry is a financial advisor at Fidelity with 13 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it serves a broad client base with services that include fund advisory and model portfolio delivery.

Aaron Lyon is a CFP® professional with 10 years of industry experience. He is currently with Cetera and has previous experience at Addessi Financial Partners, Commonwealth Financial Network, and Wells Fargo. Outside of advising, Aaron spends part of his time on tax preparation services at Addessi Financial Partners. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers.

Lillian Collazo is a financial advisor at Ameriprise with two years of industry experience. She holds a Series 66 designation and previously worked at Rapid Trace and the Veteran’s Administration. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides tailored retirement-income planning advice based on extensive investment research and a collaborative client-advisor approach.

Joseph Aramini is a financial advisor with Fidelity, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance Company, and Mass Mutual Investors Services. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, with a focus on discretionary portfolio management and fund advisory. The firm employs proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage model portfolios.

Nicole Law is a Series 66-licensed financial advisor at Ameriprise with 13 years of industry experience. She has worked at Ameriprise since 2018 and previously spent five years at Federated investment Counseling and its affiliated firms. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.