Cecilia Dicristofalo is a financial advisor with LPL Enterprise and holds the ChFC® designation along with Series 65 and Series 63 licenses. She has 17 years of industry experience, having previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and insurance agencies including State Farm and Kimberly Brust. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and also offers access to affiliated trust services and insurance products.

Benjamin Crum is a financial advisor with Morgan Stanley in Lakeland, FL, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. He serves on the communication committee for Carillon Lakes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, employing structured financial planning tools and managing approximately $2.74 trillion in client assets.

Oscar Elliott Williams is a financial advisor with Primerica Advisors in Lakeland, FL, holding Series 63 and Series 65 licenses and having 12 years of industry experience. His prior work includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Prudential Securities from 2013 to 2019. Outside of advisory services, he is involved in the sale of home security and automation products through part-time referrals for Primerica Client Services, Inc. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, providing model-delivery strategies and separately managed account options to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, focusing on percentage-based wrap fees rather than fixed fees.

Zachary Wesche is a financial advisor at LPL Financial with five years of industry experience. He holds the Series 66 designation and has worked at firms including Fidelity Investments, Thrivent Investment Management, and Allen and Company. Prior to his financial services career, he held positions at Barnes & Noble and Publix, and he attended the University of Central Florida. 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, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Cynthia Marotz is a financial advisor with LPL Financial in Lakeland, FL, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. She previously worked at Allen & Company of Florida, Inc. for 19 years and Merrill for a total of 8 years. Outside of her advisory role, she is involved with Black Oak LLC in a non-investment capacity. 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 various financial planning and investment management services through a large network of advisors, employing strategies that include model portfolios, third-party subadvisors, and customized approaches.

David Butz is a financial advisor with LPL Financial, holding a Series 66 designation. He joined LPL Financial in 2025 and has prior experience that includes roles at Florida Southern College, Publix, and the Detroit Tigers. 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.

Robert Gross is a Series 65-registered financial advisor with Primerica Advisors in Winter Haven, FL. He has experience with PFS Investments Inc., Auto Owner's Insurance, and Primerica Financial Services beginning in 2025, and has also worked in the mortgage and insurance industries. His background includes community involvement through roles at Heartland Church and Unity Baptist Church. Primerica Advisors is a large institutional firm that provides a wrap-fee asset management program primarily for 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 strategies managed by unaffiliated asset managers and supports trade execution and custody through Pershing, overseeing approximately $15.5 billion in assets under management.

John Murphy is a financial advisor at Edward Jones with 14 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 advisors.

James Wells is a financial advisor with Wells Investments, Inc. in Winter Haven, FL, holding Series 63 and Series 65 licenses and over 39 years of industry experience. He has worked at Valor Financial Securities LLC and Wells Global Investment Advisers LLC since 2009 and has been with Wells Investments, Inc. since 1995. Outside of his advisory roles, he serves as president of Our Fallen Heroes Foundation, a nonprofit supporting families of military personnel affected by the War on Terrorism, and is involved in several entrepreneurial ventures including motivational products and online college consulting. Wells Investments, Inc. is a small advisory firm that provides portfolio management and investment advisory services.

Robert Campbell is a financial advisor at Campbell & Associates with 28 years of industry experience. He holds a Series 65 designation and has been associated with Campbell & Associates, PA, CPA's since 1989, where he is an owner and principal involved in accounting and tax preparation services. Campbell & Associates is a small advisory firm based in Winter Haven, FL, serving clients with personalized financial and accounting services.

Patricia Wells is a CFP® with 41 years of industry experience, currently serving at Wells Investments, Inc. since 2000. She has also held roles at Valor Financial Securities LLC and Wells Global Investment Advisers LLC since 2009. Wells is involved as secretary, treasurer, and director of Our Fallen Heroes Foundation, a nonprofit supporting families of fallen heroes and injured military personnel. Wells Investments, Inc. is a small advisory firm based in Winter Haven, FL, providing investment advisory services.

Karen Premuto is a Series 65-licensed financial advisor at Campbell & Associates with 28 years of industry experience. She has been affiliated with Campbell & Associates, PA, CPA's since 1985 and has served as an owner and vice president of the firm since 2016. In addition to her advisory role, she is a CPA involved in tax preparation, accounting services, and practice management. Campbell & Associates is a small firm based in Winter Haven, FL, that provides financial advisory services supported by its CPA background.