Babubhai Doshi is a financial advisor at Raymond James Financial with 38 years of industry experience. He holds a Series 63 designation and has been with Raymond James Financial Services Advisors, Inc. since 2015. Doshi is also the owner of Doshi Financial LLC, where he serves as Branch Manager. 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, pension plans, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and consulting using analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting.

Ryan Malo is a financial advisor at Ameriprise with six years of industry experience. He holds the Series 66 designation and has worked with Ameriprise since 2020. Prior to his financial advisory career, Malo was involved in education roles at K12 - Florida Cyber Charter Academy, Brooks DeBartolo Collegiate High School, and Kaneland CUSD #302. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on income sources and tax-aware withdrawal strategies.

Amy Barkalow is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and bringing 28 years of industry experience. She has worked at Aurgroup Financial Credit Union for 11 years and has been associated with Financial Planning Center and Cambridge Investment Research, Inc. since 2003. Barkalow is also a notary public and an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving 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 independent Financial Professionals, utilizing a range of portfolio management strategies across multiple custody and platform arrangements.

James Ciocia is a financial advisor at Cetera with 38 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at National Securities Corporation and Gilman & Ciocia Inc. in various roles spanning over four decades. Outside of his advisory work, he owns and operates Generations Tax & Wealth Management, a CPA and wealth management firm, and serves as an insurance agent for Universal Financial Consultants, focusing on fixed life insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Gopal Sharma is a financial advisor at Osaic with 28 years of industry experience. He holds Series 63 and 65 credentials and has worked at Woodbury Financial Services, Inc. and Questar Capital. Outside of advisory work, Sharma operates a tax and accounting sole proprietorship and manages a corporation providing life, health, and disability insurance services. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisors, offering integrated brokerage, advisory services, and access to third-party investment platforms. The firm employs asset-allocation tools and automated rebalancing to construct portfolios across various investment types, managing accounts on discretionary or non-discretionary bases.

Kenneth Carruba is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 33 years of industry experience, including prior roles at Waddell & Reed, Inc., Carruba Quealy & Associates, and Silent Partners Technology, where he was also a business owner. Outside of his advisory work, he has owned an insurance business and maintained involvement in investment-related activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions. The firm offers advisory and brokerage services supported by a broad range of investment options and operational tools, with oversight of over $819 billion in discretionary assets and a network of more than 22,800 advisors.

April Bronson is a Series 66 licensed financial advisor with 16 years of industry experience. She currently works at OSAIC and has held prior roles at Raymond James and Associates, Signator Investors, Inc., and Full Circle Financial. Outside of her advisory work, she is the owner and proprietor of Bronson's Crafts N Such, where she creates and sells hand-painted wood items. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and diverse advisory platforms. The firm provides integrated brokerage and investment advisory services, leveraging asset-allocation tools and third-party money managers to manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Jodi Perez is a CFP® professional affiliated with Raymond James Financial Services Advisors, Inc. She has 40 years of industry experience and has held roles at multiple financial firms since 2012. Perez is also a partner in Holliday/Perez, LLC, which owns the office building where her practice is located. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary planning and supports a broad advisor network, with specialized municipal and public finance services.

Tyler Thomas is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior work includes positions at The Vanguard Group, Inc. and Morgan Stanley. Fidelity’s affiliate, Strategic Advisers LLC, offers investment management and advisory services to retail and institutional clients, emphasizing a systematic investment process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its advisory role to multiple registered investment companies and use of advanced technologies such as AI in its research.

Sean Devine is a financial advisor at Osaic Wealth Inc. with over six years of experience in the financial services industry. He holds a Series 66 designation and has worked at firms including Fidelity Investments, Morgan Stanley, and Wells Fargo. Osaic Wealth Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk tolerance assessments, and automated rebalancing to construct portfolios across various investment types for both discretionary and non-discretionary accounts.

Robert Hall is a financial advisor with Merrill, holding a Series 66 designation and bringing 14 years of industry experience. His career includes roles at Bank of America, Pinnacle Financial Services, and United Health Group. Outside of advisory work, he assists with business documents and taxes through Robert Hall Enterprises and acts as an independent agent providing Medicare and debt reduction services. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Brett Bennett is a financial advisor at Fidelity with 16 years of industry experience. His previous roles include positions at Charles Schwab, E*TRADE Capital Management, and Fidelity Investments. Outside of his advisory work, he is a passive co-owner of a freight logistics franchise. Brett works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a process combining proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

David Rosensteel is a financial advisor with LPL Financial in Port Richey, FL, holding Series 63 and Series 65 licenses and having 30 years of industry experience. His prior work includes roles at Independent Financial Partners and Mutual Service Corporation. He is also a CPA and spends part of his time on tax preparation and bookkeeping 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Stirling Heath is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior roles include positions at LPL Financial, Allianz Life Insurance Company of North America, and Jackson National Life Distributors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Paul Vogel is a financial advisor with LPL Financial in Odessa, FL, holding a Series 63 designation and 39 years of industry experience. His prior roles include positions at Ameriprise Financial Services, JHS Capital Advisors, and Raymond James & Associates. 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.

Randy Perry is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 66 designations and has worked with various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolios, with distinctive features including registration as a commodity pool operator and the use of AI in research.

John Putnam is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 57 years of industry experience. He is also the CEO and officer of F L Putnam Securities Inc, a non-traded holding company where he assists in operational planning. Additionally, he owns a business called Putnam 411, providing long-range planning and advice to businesses and individuals, including ESOP consulting using Raymond James resources. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning and analytical tools to help clients achieve their goals and supports these through various advisory programs and institutional consulting.

Aaron Lyon is a CFP® professional with 10 years of industry experience, currently affiliated with Cetera. His prior work includes five years at Commonwealth Financial Network and five years at Wells Fargo in various capacities. In addition to his advisory role, he spends part of his time providing tax preparation services through Addessi Financial Partners. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party investment options.

Marcy Morgan is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 66 designations and has 15 years of industry experience. Her prior roles include positions at BNY Mellon Securities Corporation, First Republic Securities Company, Deutsche Bank Securities Inc, and Db Trust Company Americas. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joseph Aramini is a financial advisor with Fidelity, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance Company, and Mass Mutual Investors Services. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, with a focus on discretionary portfolio management and fund advisory. The firm employs proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage model portfolios.