Joseph Pallet is a CFP® with 18 years of industry experience, currently associated with LPL Financial in Bradenton, FL. His career includes roles at Transamerica Retirement Solutions, Raymond James Financial, UBS Financial Services, and Chase Investment Services Corp. In addition to his advisory work, he holds a financial institution role at Lake Michigan Credit Union. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Chaitanya Shinde is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Fidelity, he held various roles at the University of Florida and other organizations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a systematic investment process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction, offering services such as discretionary portfolio management and fund advisory.

Tyler Brumfield is a financial advisor with Wells Fargo Clearing in Bradenton, FL, holding Series 65 and Series 63 licenses and two years of industry experience. His prior work includes roles at Fifth Third Securities, Fifth Third Bank, and a variety of positions outside finance, such as with the Seminole Tribal Gaming Commission and USA Hockey as an independent contractor. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, drawing on research from Wells Fargo Investment Institute and external sources.

Wendy Kester is a financial advisor at UBS Financial Services with 25 years of industry experience. She holds Series 63 and Series 65 credentials and has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Arthur Gettinger is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Sagepoint Financial, Inc., OSAIC Services, Inc., Sentra Securities Corporation, and Morgan Stanley DW Inc. Outside of his advisory role, he owns Gettinger Financial LLC, where he provides investment planning, tax planning, estate planning, insurance planning, and retirement/cash flow planning services. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations, offering both brokerage and advisory services across a variety of programs. The firm utilizes a model-based investment process focused on asset allocation and portfolio optimization, supporting discretionary strategies and third-party managers through a large multi-advisor platform.

Richard Morris is a financial advisor with Morgan Stanley in Bradenton, FL, holding a Series 66 designation and 14 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been affiliated with Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and model-based outcome simulations as part of its planning process.

Jennifer Lee is a financial advisor with Cambridge Investment Research Advisors, Inc. She holds Series 63 and Series 65 designations and has 29 years of industry experience. Her prior roles include positions at Grove Point Advisors, LLC and Modern-Wealth, LLC. Outside of her advisory work, she owns and operates a business called I Just Ate A Bug LLC, known for its Paint Nail Bar in St. Petersburg, Florida, and she is also an author. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, supporting both discretionary and non-discretionary management through multiple platforms and custodians.

Vincent Rehfeldt is a Series 66-licensed financial advisor with Cetera based in Bradenton, FL, and has four years of industry experience. Prior to his current role, he worked at The Ranch Assisted Living Facility and Purdue University. Outside of advising, he manages social media content for The Ranch Assisted Living Facility. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

James Nunciato is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. His career includes roles at Cadaret, Grant & Co., Inc., United Financial Services, and Nathan & Lewis Securities, Inc. He also operates Wall Street on Court Street, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Lisa Longo is a CFA® charterholder and holds a Series 63 license with two years of industry experience. She began her career at Rockwood Capital Advisors, where she worked for 23 years, followed by two years at PlanMember Securities Corporation before joining Charles Schwab and Co., Inc. and Charles Schwab Bank in 2026. Charles Schwab & Co., Inc. serves a broad client base, 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 guidance and access to discretionary separately managed accounts, supported by centralized custody and operational processes.

Brianna Izzo is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. She previously worked at Bank of America and Merrill. Outside of her advisory role, she owns a small business selling handmade crochet items on Etsy. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment management grounded in modern portfolio theory. The firm serves institutional clients with a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jeffrey Welsh is a financial advisor with OSAIC in Bradenton, FL, holding Series 63 and Series 65 credentials and 34 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years and Bard Financial Services, Inc. for over three decades, where he also served as vice president. Outside of his advisory role, he owns a sole proprietorship focused on selling term and fixed life insurance, fixed annuities, and accident & health insurance. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing a range of investment programs supported by affiliated broker-dealer and RIA relationships.

Amanda Tabachnick is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. She has worked with Ameriprise Financial Service, LLC since 2018 and previously with PRUCO Securities, LLC and The Prudential Insurance Company of America from 2004 to 2018. Outside of her advisory role, she manages her own financial planning business and is involved in commercial real estate ownership. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a largely automated process overseen by specialized teams, while also providing a broad range of advisory, brokerage, and insurance solutions.

Nicholas Irving is a financial advisor with LPL Financial in Bradenton, FL, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial and Irving Financial Group, he worked in the automotive and service industries. Outside of advising, he is involved with Pressure Kingdom, LLC, an outdoor services 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 wide range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Mark Campbell is a financial advisor with Morgan Stanley in Bradenton, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Bank of America, and Merrill. Outside his advisory work, he is the sole proprietor of Girard & Fedora LTD, a real estate investment business based in Miami. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, focusing on financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning services through its Financial Advisors and Estate Planning Strategies Group.

Karissa Favazza is a financial advisor with Cambridge Investment Research Advisors holding a Series 66 designation and beginning her industry experience in 2022. Her prior roles include positions at SmartPro Financial and LeadCoverage. Cambridge Investment Research Advisors serves both individual and institutional clients, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and multiple platform options.

Cassandra Costa is a Planning Consultant at Fidelity Investments, a position she has held since 2025. In this role, she partners closely with clients and their Financial Consultant to provide planning support, simplify financial complexity, and help connect current decisions with long-term goals. Before becoming a Planning Consultant, Cassandra served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Representative from 2023 to 2024. Through these roles, she has developed experience in client relationship management and financial representation. Outside of her professional work, Cassandra enjoys art, barre, beach activities, painting, yoga, and spending time with her family.

Lindsey McCarthy is a Financial Consultant at Fidelity Investments, a role she has held since 2024. She has been with Fidelity Investments in various capacities since 2008, including positions as Investment Solutions Consultant - Insurance, Financial Consultant, Central Relationship Manager, Prime Services Manager, Prime Services Senior Associate, and Prime Services Associate. Prior to her tenure at Fidelity, Lindsey worked as an Equity Trader at Timucuan Asset Management from 2016 to 2019. Lindsey's professional focus is on empowering individuals and families to achieve financial security and independence through personalized financial planning. She employs a holistic approach that supports families at various life stages, encompassing education planning, retirement, and legacy building. She holds insurance licenses in Arkansas and California. Outside her professional career, Lindsey's personal interests include fitness, golf, horseback riding, Pilates, and yoga.

Michael Kruse is a financial advisor with Thrivent Investment Management in Bradenton, FL, holding Series 63 and Series 65 licenses and two years of industry experience. His background includes positions at Thrivent Financial and People Incorporated Mental Health Services. Outside of advising, he performs clerical administrative work for a structural steel design company. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors, offering comprehensive, goal-based planning across various financial topics without discretionary trading authority.

Jay Boswell is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has worked at J.P. Morgan Securities since 2018 and previously held roles at Wells Fargo Bank and Wells Fargo Clearing Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that focuses on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team and includes an ESG eligibility framework in its recommendations.