Johnathan Hendrix is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He worked at Sagepoint Financial, Inc. for 14 years before joining Osaic in 2023. Hendrix is also the president of Harley Roy LLC, an entity created to hold a commercial office building used as a branch location for his group. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, using asset-allocation tools and third-party platforms to construct diversified portfolios across various investment types.

James Dailey is a financial advisor with Raymond James & Associates in Lakewood Ranch, FL, holding Series 63 and Series 66 licenses and with 13 years of industry experience. He previously worked at Franklin Templeton Distributors for five years before joining Raymond James in 2018. Dailey serves as a durable power of attorney and personal representative for his wife. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Andrew Garbarini is the Vice President and Branch Leader at Fidelity Investments. He leads a team of associates who collaborate with clients to understand their unique situations and develop personalized financial plans. His professional experience includes serving as Vice President and Platinum Services Manager at Morgan Stanley from 2023 to 2025, and as Vice President and Branch Manager at E*TRADE from 2013 to 2023. outside of his professional role, Andrew has interests in baseball, cooking and baking, fishing, military service, parenthood, and volunteering.

Richard Godfrey is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has been with Cambridge Investment Research Advisors since 2020 and has prior experience at several firms, including CCF Investments and Ameritas Investment Corp. Godfrey is also an independent insurance agent and a member of the SmartVestor Council. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Michael Palen is a financial advisor with LPL Financial in Bradenton, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior experience includes over a decade at Cetera Advisor Networks LLC and self-employment in financial services since 1975. Outside of advisory work, he is involved in tax preparation and accounting through Palco Financial Services, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management across a variety of investment strategies.

Pamela Miller is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 33 years of industry experience. She worked at UBS Financial Services Inc. for nine years before joining Raymond James in 2018. Outside her advisory role, she is also a commissioned notary public in Sarasota, Florida. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, drawing on a range of portfolio management styles and affiliated research.

Mark Tobias is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets beginning in 1993. He is based in Long Boat Key, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market outlook models.

Jeffrey Layhew is a financial advisor with LPL Financial in Palmetto, FL, holding Series 63, 65, and 66 credentials and 34 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory work, he has acted as a film extra and sells motocross bikes and parts online. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and diversified investment strategies.

Randle Mc Swain is a CFP® and holds a Series 66 license with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory strategies and affiliated investment products supported by a large network of financial advisors and branch offices.

Jon Waggoner is a financial advisor at Equitable Advisors with 26 years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of his advisory work, he is the owner of Waggoner Holdings LLC, a limited liability company. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives and utilizes both proprietary and third-party investment solutions.

Robert Brameister is a Senior Financial Advisor with Merrill Lynch Wealth Management. With 27 years of experience as a financial advisor on the west coast of Florida, he focuses on helping clients prepare for their financial futures through goal-based planning. He works closely with clients to define essential, important, and aspirational goals, then formulates and annually reviews strategies designed to meet those goals in a prudent and responsible manner. Rob’s areas of expertise include personal retirement planning, portfolio management, legacy and family wealth management strategies, socially responsible and ESG investing, college education planning, and retirement income planning. He advises clients on a range of financial products to assist with capital growth, income production, long-term care insurance, and estate planning. As a fifth generation Floridian and 51-year resident of Manatee County, Rob is deeply connected to his community and alongside his wife Krista, actively supports local non-profit organizations. Rob earned his Personal Investment Advisor (PIA) designation and holds a High School Diploma from Southeast High School. Outside of his professional work, he enjoys spending time outdoors boating, fishing, camping, hiking, and attending local sporting events with his family.

Ronald Jones is a financial advisor with Primerica Advisors in Tierra Verde, FL, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 2006. Outside of his advisory role, he is involved in sales of home security and automation products through affiliated companies and operates a financial services business related to Primerica. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services primarily through model-based investment strategies managed by unaffiliated asset managers.

Paul Haskins is a financial advisor at Edward Jones with a Series 66 designation and four years of industry experience. His prior roles include positions with the City of Tampa and Manatee County, as well as work at Colosseum Coaching and Consulting. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a nationwide network of more than 23,700 financial advisors. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Savas Constantinou is a CFP® professional with 27 years of industry experience, currently serving at OSAIC since 2026. He previously worked at Cetera Investment Services, Hancock Whitney Bank, Modera Wealth Management, LPL Financial, and AXA Advisors. He has also held a senior wealth planning advisor role at Hancock Whitney Bank, focusing on trust and estate, retirement, investment, risk management, and business planning in collaboration with other financial professionals. OSAIC serves a broad client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm offers portfolio construction using firm tools and third-party solutions, supporting both discretionary and non-discretionary management across diverse asset classes.

Lisa Menke is a financial advisor at LPL Financial with 14 years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, N.A. from 1987 to 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Jack Craig is a financial advisor with LPL Financial in Bradenton, FL, holding a Series 63 designation and 34 years of industry experience. He has been with LPL Financial and its predecessor entities since 1995. Craig serves as a successor trustee for a family trust. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Robert Petzold is a financial advisor with OSAIC, holding a Series 66 designation and with 26 years of industry experience. His prior roles include positions at Securities America Advisors and Kansas City Life Insurance Company. He is also the owner of Petzold Financial Group, LLC, which provides life, health, and long-term care insurance sales and services. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and access to third-party money managers to construct diversified portfolios across various asset classes.

Michael Fay Jr. is a financial advisor with Morgan Stanley in Bradenton, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as Vice President of the Red Cedar West Homeowners Association in Leesburg, Virginia. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a range of investment programs alongside specialized estate planning services.

Melissa De La Pena is a financial advisor with J.P. Morgan Securities in Bradenton, FL, holding Series 63 and Series 66 credentials and seven years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021 and previously held roles at Wells Fargo Clearing Services and Wells Fargo Bank. Outside of finance, she has been involved with modeling and talent agencies and promotional ventures. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers non-discretionary services through a select group of Wealth Advisors.

Murray Snow III is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds the Series 63 designation and has been with Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that incorporates structured discovery conversations and firm-approved planning tools.