Joseph Fessler is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He joined the firm in 1984 at the regional operations center in Farmington Hills, Michigan. Over the course of his career, Joseph transitioned from operations management — including serving as operations manager for the Vero Beach, Florida complex — to financial advisory in 1994. He draws upon decades of experience within the firm to provide clients with comprehensive access to the firm’s resources, products, and services. Joseph holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is a member of the Financial Planning Association. He also carries the Personal Investment Advisor (PIA) designation. His client focus areas include family wealth management strategies, legacy planning, retirement planning, philanthropic planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. A longtime member of the Vero Beach community, Joseph is a former president of the Exchange Club of Indian River County. He resides in Vero Beach with his wife, Tammy, and has two daughters, Lauren and Kristen. His personal interests include golfing, hiking, music, reading, skiing, and spending time with his family.

Sterling Lirot is a financial advisor with Fidelity, holding a Series 66 designation and eight years of industry experience. He has worked at Fidelity Brokerage Services since 2017 and at Fidelity Investments since 2025. Outside of his advisory role, he operates an online store called Beautiful Sunshine & Company LLC as a sole proprietor. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios using mutual funds, ETFs, and ETPs.

Michael Cameron is a financial advisor with LPL Financial in Plant City, FL, holding Series 63 and Series 65 credentials and possessing 25 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he is a minor stockholder in Cameron Citrus Corporation, a non-investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with a variety of investment strategies and operational tools.

William Cangeme is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Morgan Stanley, Ernst & Young Investment Advisers LLP, and Edward Jones. He is also affiliated with Suncoast Credit Union as a financial advisor. 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 investment management services through a large network of advisors and utilizes advanced tools to support advisory operations.

Conner Weber is a Financial Advisor at the Merrill Lynch Wealth Management office in downtown Lakeland. He works with families and individuals to help them make informed financial decisions tailored to their unique situations and goals. His approach focuses on building meaningful client relationships to develop personalized financial strategies. Conner's expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, and retirement income planning. He holds a bachelor's degree in finance from Stetson University and has earned the Chartered Retirement Planning Counselor (CRPC) designation. Additionally, he is a Personal Investment Advisor (PIA). Outside of his professional work, Conner is involved in his community through memberships at Highland Park Church and the Rotary Club of South Lakeland. In his personal time, he enjoys traveling with his wife and daughter and playing golf with friends and family.

Danielle Durham Chan Pong is a financial advisor with LPL Financial in Lakeland, FL, holding a Series 66 designation and 11 years of industry experience. She has worked at LPL Financial since 2019 and is also associated with Allen & Co since 2014. Outside of her advisory role, she is involved as an insurance agent with Black Oak LLC. 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, utilizing various investment strategies implemented by its network of investment adviser representatives.

George May IV is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He previously worked at FSC Securities for 18 years before joining OSAIC in 2023. He serves on the board of the Brandon Community Advantage Center, a nonprofit community resource. OSAIC Wealth serves a wide range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process and provides various portfolio management options, including discretionary strategies and third-party manager selections.

John Elliott is a financial advisor with LPL Financial in Brandon, FL, holding a Series 66 license and bringing 20 years of industry experience. He previously worked at Signator Investors, Inc., Creative Financial Designs, Inc., and SII Investments, Inc. Outside of his advisory role, Elliott serves as Vice President of M.S.C., Inc., a company focused on health insurance and ancillary products. 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 a range of financial planning and portfolio management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational and research tools.

Miguel Figueroa is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. for nine years. Outside of his advisory role, he is involved in several real estate ventures as an owner and contractor. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research with centralized due diligence and incorporates ESG considerations where applicable.

James Chaffin is a financial advisor at Raymond James Financial with 38 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Suntrust Advisory Services and Suntrust Investment Services for a combined 27 years. Outside of advisory work, he serves as Vice President of Chaffin Capital Advisors, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Heather Newell is a financial advisor with LPL Financial in Lakeland, FL, holding a Series 66 designation and bringing 10 years of industry experience. She has been with LPL Financial since 2019 and is also associated with Allen & Company of Florida. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting both discretionary and non-discretionary strategies.

Richard Henry is a financial advisor with Primerica Advisors in Valrico, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been affiliated with Primerica Financial Services since 2000 and with PFS Investments Inc. since 1996. In addition to his advisory role, he receives compensation for sales of loan products and referrals of home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on non-institutional clients rather than pension or profit-sharing plans.

Russell Moses is a financial advisor with Primerica Advisors in Lakeland, FL, holding Series 65 and Series 63 licenses and five years of industry experience. Prior to his financial services career, he served over two decades in the U.S. Air Force and has worked at ManTech and Kelly Services. He also is involved in sales of non-investment products related to home security and automation through affiliated companies. Primerica Advisors offers a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery investment strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Fernando Romero is a financial advisor with OSAIC in Brandon, FL, holding Series 63 and Series 65 licenses and with 29 years of industry experience. His prior roles include positions at Woodbury Financial Services, Questar Asset Management, and PRUCO Securities. He is president of Romero Insurance & Financial Services, a full-service insurance agency specializing in property and casualty, health insurance, and fixed annuities. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations, offering a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization.

Gerald Pascal is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His career includes prior roles at Charles Schwab and Voya Financial, and he serves as a lieutenant and executive officer in the U.S. Army National Guard. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services through proprietary research and model-based asset allocations.

Harry Bayard is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 24 years of industry experience. His prior roles include positions at Cetera Advisor Networks, J P Turner & Company Capital Management, Wells Fargo Clearing, and A. G. Edwards & Sons. Bayard operates H.R. Bayard & Associates, LLC, which provides investment-related and non-variable insurance 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 range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by technology tools for operational and research purposes.

Chila Wendle is a financial advisor with Ameriprise in Auburndale, FL, holding a Series 66 designation and over 16 years of industry experience. Prior to joining Ameriprise in 2023, she worked at Barrow & Powers Financial Services Inc from 2007 to 2023 and at Top Buttons from 2017 to 2019. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to generate recommendations, primarily for clients maintaining assets in Ameriprise-managed accounts.

Manuel Calderon Jr. is a financial advisor with LPL Financial in Riverview, FL, holding Series 63 and Series 66 credentials and 27 years of industry experience. He has been with LPL Financial since 2015 and previously worked at Invest Financial Corporation from 2007 to 2015. 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 provides a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive resources and technology.

Michael Plunkett is a CFP® with 14 years of industry experience and has been with Edward Jones since 2011. He is based in Lakeland, FL, and holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of over 23,000 financial advisors and $1.01 trillion in assets under management.

Keith Henderson is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. He previously worked at Allen & Company of Florida, LLC for six years before joining LPL Financial in 2019. Outside of his advisory role, Henderson sells life insurance through an insurance broker. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisors implementing a range of discretionary and non-discretionary strategies supported by advanced operational tools.