Dalton Garrison is a financial advisor at Cetera with eight years of industry experience. He also operates Garrison Wealth Management, P.A., a registered investment advisory business. His prior work includes roles at Summit Financial Group, LPL Financial, and Lake County Public Schools, as well as service on the City of DeBary Historical Preservation Advisory Board. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

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 in Eustis, FL, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory work, Stephan serves on the Board of Directors and as Activities Chairman for the Lake Eustis Chamber of Commerce and is a musician with The Porch Band. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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 is the Senior Resident Director of The Villages Branch Office at Merrill Lynch and serves as a senior advisor for The Palmer Group. He has been with Merrill Lynch Wealth Management since 2008, focusing on portfolio construction, client reviews, and preparing retirement analyses for clients. Clay works with affluent families, individuals, and successful business owners in Central Florida, providing financial strategies and wealth management services. Before joining Merrill Lynch, Clay held various engineering and project management roles at Progress Energy, Florida. He holds a Bachelor's degree in Mechanical Engineering from Auburn University and earned a Master's degree in Business Administration from the University of Central Florida. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA). Clay resides in Lady Lake with his wife Jennifer and their children. His team focuses on understanding clients' financial lives in total, helping develop personalized financial and retirement income strategies, addressing estate planning needs, and advising on elder care, wealth preservation, and transfer strategies.

Anthony Gould is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2012, he has concentrated on portfolio analysis and the development of customized wealth management plans, including social security planning. Anthony specializes in family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. He holds a Bachelor’s Degree in Business Administration from the University of Central Florida and has earned several professional designations, including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Raised in Lady Lake, Florida, Anthony resides in Wildwood with his wife Kate and their children, Rylie and Bryson.

William Konchal is a financial advisor with Raymond James & Associates based in Grand Island, FL, holding Series 63 and Series 65 designations and possessing 43 years of industry experience. He has been with Raymond James & Associates since 2004. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and charitable organizations, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management styles and affiliated research.

Patrick Fross is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He has been with LPL Financial since 2018 and has operated Fross & Fross Financial since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Jeananne Niemann is a CFP®-designated financial advisor with Edward Jones in Leesburg, FL, where she has worked since 2007, accumulating 18 years of industry experience. She holds the Series 66 license and has an inactive partnership in a boat delivery business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a large national network, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products.

Gregory Collier Sr. is a Certified Financial Planner® with 39 years of industry experience. He has been with Raymond James Financial since 2009 and with Raymond James Financial Services since 2005. Outside of his advisory role, he serves as president of Collier Financial Solutions, Inc. 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 offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports municipal and public finance work through an affiliated municipal advisor.

Leslie Rodriguez is a financial advisor at Charles Schwab with 26 years of industry experience and holds Series 63 and Series 66 designations. She has been with Charles Schwab since 1999, including roles at Charles Schwab Bank and Schwab Private Client Investment Advisory, Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary guidance and access to affiliated discretionary separately managed accounts, supported by centralized custody and operational resources.

Alejandra Torres is currently a Planning Consultant at Fidelity Investments, where she collaborates with clients and Financial Consultants to develop and maintain customized financial plans tailored to clients' short- and long-term goals. She emphasizes understanding clients' priorities and works closely to identify strategies aligned with their objectives. Alejandra focuses on building and maintaining strong relationships through ongoing plan reviews and consistent communication. Her professional experience includes roles as a Relationship Manager and Financial Services Representative at Fidelity Investments, as well as a Personal Banker at Wells Fargo Bank. These positions have provided her with a foundation in financial services and client relationship management. Outside of her professional work, Alejandra enjoys food, tennis, and traveling.

Aimee Zedlitz is a financial advisor at Raymond James & Associates with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Raymond James & Associates since 2013. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering financial planning and investment consulting through various advisory programs.

Pravita Diaram Ramtahal is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She has worked at various J.P. Morgan entities since 2012, including Jpmorgan Chase Bank and JP MORGAN securities llc. She holds a Series 66 designation. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Jason Spatafora is a Series 66-credentialed financial advisor with seven years of industry experience. He is currently with Edward Jones in Groveland, FL, where he has worked since 2017 across multiple roles and firms, including Suncoast Credit Union, CUNA Brokerage Services, Regions Bank, Pruco Securities, and Ameriprise Financial Services. 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 through a nationwide network of more than 23,700 advisors and offers a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and tax-efficient services.

Wayne Davies is a financial advisor at Cetera with 28 years of industry experience. He holds the CFP® and ChFC® designations and has a legal background as an attorney licensed in Massachusetts, where he represents clients and prepares tax returns. In addition to his financial advisory work, he serves as a personal representative and trustee in various fiduciary roles. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform, supporting both discretionary and non-discretionary strategies across multiple program and custodial structures.

Marc Stalvey is a CFP® and Series 66-designated financial advisor with Edward Jones, where he has worked since 2015. He has 10 years of industry experience. Stalvey serves as an alumni board member for Central Florida Community College in Ocala, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Cesar Armas Crespo is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2021, and Charles Schwab Bank, SSB since 2023. Prior to his financial career, he held positions at Booking.com and several other companies. Outside of finance, he manages a business that designs and prints custom logos on sports clothing. Charles Schwab & Co., Inc. serves a large client base of 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, using multi-asset model portfolios and comprehensive due diligence on alternative investments.

Brandon Hill is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 17 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and previously held positions at Charles Schwab, TD Ameritrade, and Scottrade. Outside of his advisory role, he is involved with the Florida Lacrosse Officials Association. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.