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 credentials and 13 years of industry experience. His prior work includes roles at LPL Financial, Allianz Life Insurance Company of North America, and Jackson National Life Distributors. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions, relying on research and analytics to guide investment decisions.

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.

Theodore Bickert is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 65 and Series 63 licenses with one year of industry experience. His prior experience includes roles at Primerica Financial Services, Northwestern Mutual, Advanced Drainage Systems, and Barette Outdoor Living. Outside of advisory services, he is involved in the sale of home security, automation products, and loan referrals through affiliated Primerica entities. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services using model-based strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Randy Perry is a financial advisor at Fidelity with 13 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it serves a broad client base with services that include fund advisory and model portfolio delivery.

Michael Steuer is a Series 65-credentialed advisor with Cetera Wealth Services, LLC, bringing 12 years of industry experience. He has a substantial background in accounting and tax services through his ownership of multiple CPA firms since 2003. Outside of his advisory role, Steuer serves as president and treasurer for several local condominium and homeowner associations, and he is also president of a technology and marketing services corporation. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors serving individual, institutional, and retirement plan clients. The firm offers diverse investment solutions, including discretionary and non-discretionary portfolio management, access to third-party money managers, and customizable program structures.

Michael Joeckel is a financial advisor with Thrivent Investment Management in Tampa, FL, holding Series 63 and Series 65 licenses and with 31 years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2015. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based analyses covering a broad range of planning topics and allows clients to combine planning with managed-account services under a consolidated billing option.

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. He is currently with Cetera and has previous experience at Addessi Financial Partners, Commonwealth Financial Network, and Wells Fargo. Outside of advising, Aaron spends part of his time on tax preparation services at Addessi Financial Partners. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers.

Kevin Griffith is a financial advisor with Morgan Stanley, holding a Series 66 designation and six years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, Merrill Lynch, Cigna, and time spent traveling. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Elena Richardson is a financial advisor at Morgan Stanley with seven years of industry experience. She holds Series 63 and Series 65 credentials. Her work history includes multiple roles at Morgan Stanley Smith Barney LLC, UBS Financial Services Inc., Charles Schwab Bank, and Charles Schwab & Co., Inc. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

Joseph Mele is a financial advisor with Equitable Advisors in Palm Harbor, FL, holding Series 65 and Series 63 credentials with four years of industry experience. His prior roles include positions within Equitable Advisors and work at Brightview, as well as a concurrent affiliation involving outside insurance appointments. Equitable Advisors serves a range of clients including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and partnerships with third-party managers.

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.

David Sobel is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and 11 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and previously at Morgan Stanley Smith Barney LLC from 2014 to 2017. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and offers a range of investment and planning services, including corporate financial planning agreements.

Matthew Anderson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 25 years of industry experience. His career includes roles at BB&T and BB&T Securities prior to joining Wells Fargo Bank and Wells Fargo Clearing in 2020. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Kriss Bryan is a financial advisor with Primerica Advisors in Tarpon Springs, FL, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. He has been with Primerica Advisors since 2016 and also has professional experience with Amazon Inc., Humana/KMG, Teradyne, Inc., and Primerica Financial Services. Outside of his advisory role, he is the owner of KWB Entertainment, Inc. and an author. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm employs model-delivery investment strategies supported by third-party asset managers and serves a broad client base with approximately $15.5 billion in assets under management.

Brendan Donoghue is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and 17 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Audrey Hirst is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 66 and Series 65 licenses and 12 years of industry experience. Her prior work includes roles at Flagship Bank, Lake Michigan Credit Union, Pilot Bank, and PFS Investments Inc. She serves on the USF Alumni Association National Board of Directors and is a part-time adjunct professor at Baker College. Primerica Advisors is a sponsor and discretionary portfolio manager of a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale, providing advisory services through a network of advisors who present model-based recommendations supported by third-party asset managers and custodial services.

Gerald Weeks is a financial advisor with Raymond James Financial Advisors, Inc. in Palm Harbor, FL, holding Series 63 and Series 66 licenses and possessing 45 years of industry experience. He has been with Raymond James Financial Services and its affiliates since 2004 and also maintains a role as an independent agent in non-variable insurance since 2005. 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, and institutional investors. The firm offers tailored, non-discretionary planning and supports various advisory programs, with specialized municipal and public-finance capabilities.