Lance Larkin is a financial advisor with Charles Schwab, holding a Series 66 credential and bringing 12 years of industry experience. His prior roles include positions at Ameriprise Financial Services and TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base, 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, supported by multi-asset model portfolios and centralized operational infrastructure.

John Ivory Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and 17 years of industry experience. He has been with Raymond James since 2014. Outside of his advisory role, he serves as CEO of Ocala 4 Football, a nonprofit organization focused on developing local youth football players and enhancing their exposure to college programs. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Catherine Harris is a financial advisor with LPL Financial, holding Series 65 and Series 66 credentials and 22 years of industry experience. She previously worked at Ameriprise Financial Services and Blueprint Wealth Management. Outside of her advisory role, she is a commissioned notary in The Villages, Florida. 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, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Kathy Schickerling is a financial advisor at Ameriprise with 35 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Morgan Stanley, Citigroup Global Markets, and A. G. Edwards & Sons. Her tenure at Ameriprise spans over a decade across multiple affiliates of the firm. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income services that focus on written recommendations and ongoing planning for dependable income and tax-aware withdrawal strategies.

Mark Dickerson is a CFP® professional affiliated with LPL Financial, bringing 29 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Destiny Wealth Partners, FSC Securities Corporation, and Morgan Stanley. He also owns Divorce Financial Analysis, LLC, a business focused on financial analysis related to divorce. 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 wide range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Sarah Payne is a financial advisor with Ameriprise in Leesburg, Florida, holding a Series 66 designation and 12 years of industry experience. She has been with Ameriprise and its affiliate since 2014. Payne serves on the Board of Directors for New Vision for Independence, a nonprofit organization. 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 annual planning advice focused on retirement income strategies within a defined investment framework.

Trevor Hubbard is an Investment Consultant at Fidelity Investments. In his role, he partners with new and existing clients to assist with retirement planning and provide investment guidance. He has experience working as a Financial Representative at Fidelity Investments from 2023 to 2026 before advancing to his current position in 2026. The biography does not include information about his education, credentials, personal interests, or community involvement.

Celestin Martin is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, he collaborates with clients to develop personalized financial plans that align with their individual goals and unique financial situations. He emphasizes clarity, relevance, and actionable strategies in his approach to financial consulting. Prior to joining Fidelity, Celestin worked as a Financial Consultant Partner at Charles Schwab from 2017 to 2020. His professional experience encompasses advising clients on financial matters and helping them navigate their financial objectives. Outside of his professional career, Celestin has interests in boating, fitness, parenthood, sailing, soccer, and traveling.

Samantha Cook is the Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2025. She has built her career at Fidelity over 19 years, holding roles including Financial Consultant, Relationship Manager, Investment Solutions Representative, Financial Representative, Defined Benefits Representative, and Workplace Service Associate. Her professional experience encompasses a broad range of responsibilities within the financial services industry, with a focus on helping clients work toward their investment goals. Samantha emphasizes a team approach to creating a comfortable lifestyle for clients throughout their retirement years. Outside of her professional role, Samantha is engaged in family activities, fitness, photography, running, traveling, and volunteering.

Richard Gant is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. He has 28 years of industry experience, including prior roles at NBC Securities, CenterState Bank, South State Bank, Colonial Asset Management, Gunnallen Financial, and TD Ameritrade. Gant has ongoing ties to CenterState Bank and South State Bank through financial institution duties related to investment services. 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 asset management solutions, including model portfolios and institutional platforms, supported by a network of over 22,800 advisors.

Gabriel Roque is a financial advisor at Charles Schwab with one year of industry experience. He holds Series 65 and Series 63 licenses. Prior to joining Charles Schwab, he worked at Trinity Wealth Securities, LLC and Florida Financial Advisors. Charles Schwab serves 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 provides a combination of non-discretionary and discretionary investment management supported by centralized custody and trading operations.

Richard Peck is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. He has worked with Cetera Advisors LLC since 2015 and with Cetera Investment Advisers since 2024. In addition to his advisory role, he operates a private client group under a DBA. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Juanita Stephens is a financial advisor with Ameriprise who holds a Series 63 designation and has 41 years of industry experience. She has been with Ameriprise Financial Service, LLC since 1984 and worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of her advisory role, she is involved as a member and manager in Mansa Musa Partners and Mansa Musa Operations, which provide administrative and operational support. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to provide non-discretionary recommendations, primarily for assets held in Ameriprise Managed Accounts, and supports a broad range of advisory, brokerage, and insurance solutions.

Devon Ferdon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 registrations and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of advisory work, he is a notary public in The Villages, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Dalton Garrison is a Series 66 licensed financial advisor with eight years of industry experience. He is currently affiliated with Cetera and has prior experience with Summit Financial Group and LPL Financial LLC, among others. He also operates Garrison Wealth Management, P.A. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, providing various program structures and investment strategies.

Michael Hagood is a financial advisor with Edward Jones in The Villages, FL. He holds the Series 66 designation and joined Edward Jones in 2025. Prior to his current role, he worked at VT Industries for eight years and had positions at Foliage Design Systems and the University of South Florida. 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 and offers a range of advisory programs and investment solutions through a large nationwide network of financial advisors and branch offices.

Jeffrey Stephan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Mutual Service Corporation and Walnut Street Advisers Inc. Stephan serves on the board of the Lake Eustis Chamber of Commerce and is an active musician with The Porch Band. 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. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research and operational tools.

John Glendinning is a financial advisor with Morgan Stanley in The Villages, FL, holding a Series 66 designation and bringing 10 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, and previously at Bank of America, N.A. and Merrill Lynch from 2016 to 2020. Outside of his advisory role, he is a partner in Troika Vending LLC, a wholesale and distribution business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and invests based on analyses from its Global Investment Committee while offering both retail and institutional investment solutions.

Christopher Hill is a CFP® professional with 10 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has been associated with Raymond James since 2016 and has operated an affiliated independent practice under the Reveille Wealth Management name since 2022. Hill also serves as president of Independent Financial Partners, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting services, utilizing risk profiling and analytical modeling tools, and supports municipal and public finance advisory work through a unique municipal advisor affiliation.

Clay Palmer serves as the Senior Resident Director of The Villages Branch Office and as a senior advisor for The Palmer Group at Merrill Lynch. He works with affluent families, individuals, and business owners in Central Florida, focusing on financial strategies and wealth management services. His approach emphasizes understanding clients' needs to build comprehensive investment plans that integrate various aspects of their financial lives. Clay graduated from Auburn University with a degree in Mechanical Engineering and holds a Master's Degree in Business Administration from the University of Central Florida. Before joining Merrill Lynch Wealth Management in 2008 as a Financial Advisor, he held engineering and project management roles at Progress Energy, FL. His expertise includes portfolio construction, client reviews, and retirement analysis. Clay holds the Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA) designations. Clay and his wife Jennifer reside in Lady Lake with their children. He engages in various personal interests including adventure sports, boating, fishing, football, golfing, reading, swimming, traveling, and spending time with his family.