Richard Rios is a CFP® professional with 33 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2019 and was previously with Ameriprise Financial Services, Inc. from 2012 to 2019. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets through more than 14,000 financial advisors and offers both brokerage and advisory solutions.

David Johnson is a financial advisor with Merrill in Lakeland, FL, holding Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Bank of America, Morgan Stanley, and several banking institutions. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Leeann Lambert is a financial advisor at Raymond James & Associates in Lakeland, FL, holding a Series 63 designation with 26 years of industry experience. She has been with Raymond James & Associates since 2011. 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 and pension plans, charitable organizations, and municipal entities, offering a range of financial planning and consulting services typically structured as non-discretionary relationships.

Jessica Mc Neil is a financial advisor at Charles Schwab with three years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Members Trust Company, Morgan Stanley, Regions Bank, and Suntrust Bank. Charles Schwab & Co., Inc. serves 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 and discretionary investment guidance using multi-asset model portfolios and provides centralized custody, brokerage, and advisory services.

Kathleen Schultz is a financial advisor with Charles Schwab who holds Series 63 and Series 65 licenses and has 42 years of industry experience. She worked at Citigroup Global Markets for 32 years before joining Charles Schwab in 2020. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and a formal alternative investment platform.

Chad Cooper is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 23 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities Corporation for 14 years. Cooper serves on the boards of the Central Florida Urban League and the Wesley Chapel Black Chamber of Commerce, and he holds leadership roles with NAIFA Florida. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base through thousands of Financial Professionals and a range of platform options.

Matthew Tihanovich is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with several firms including Fidelity, Citizens Securities, Chase Investment Services, Huntington Investment Company, and has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence combining quantitative and qualitative research, and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Timothy Gunn is a financial advisor with Raymond James & Associates in Lakeland, FL. He holds a Series 66 designation and has 25 years of industry experience, including 18 years with Raymond James & Associates. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, and charitable organizations, offering financial planning, investment consulting, and municipal advisory services.

John Craig is the Resident Director at Merrill Lynch Wealth Management, where he leverages over 35 years of experience in providing wealth management advice to clients. He began his career at Merrill in 1987 in Norfolk, Virginia, and has since held leadership positions including branch manager roles in the Winter Haven and Lakeland offices. He currently leads the Blubaugh-Craig Group, combining his oversight experience with Merrill's open architecture platform to help families and businesses build and preserve their wealth. John holds a Bachelor's Degree from Washington and Lee University and is designated as a Personal Investment Advisor (PIA). His approach involves creating customized strategies tailored to each client's unique needs and goals, drawing on his extensive background assisting clients through various market cycles. John and his team utilize the resources of Bank of America and Merrill to provide comprehensive wealth management services, including investments, cash management, and corporate benefit programs to businesses, plan sponsors, and corporate executives. He is proficient in both English and Spanish.

John Ciko III is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. His career includes multiple tenures at LPL Financial, as well as positions at Invest Financial Corporation and Gunnallen Financial, Inc. Outside of his advisory work, he has a non-investment business entity, Blue Sky Ventures 6173, Inc. 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 portfolios, third-party asset management, and institutional platforms.

Michele Cash is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. She has worked at LPL Financial and Allen & Company since 2022 and is also employed as a project manager at Barrett Media, LLC. Additionally, she works as a fitness instructor at Crunch Fitness. 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, model portfolio programs, third-party asset management, and institutional platforms.

Katrina Hirdes is a financial advisor at LPL Financial with two years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2023. Prior to her advisory role, she held various positions including work in education and direct sales as a Mary Kay Cosmetics consultant. 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, model portfolio programs, third‑party asset management, and institutional platforms.

Ryan Neal is a financial advisor at Edward Jones with two years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2023. His prior experience includes roles at Berkadia Commercial Mortgage and the New York Department of Education. Outside of finance, Neal works as a personal trainer at LA Fitness in Tampa, FL. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of discretionary and non-discretionary investment solutions. The firm manages over $1 trillion in assets and operates a large nationwide network of advisors and branch offices.

Mark Alford is a CFP® with 15 years of experience currently serving at J.P. Morgan Securities. He has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2017 and previously held roles at Bank of America and Merrill. Outside of the financial industry, he is president of Polk County for Life, Inc., a nonprofit focused on education and promoting prolife and sexual purity values. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering non-discretionary asset allocation advice, manager searches, and customized performance reporting with a focus on systematic due diligence and incorporating ESG considerations.

Michael Simon is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at multiple firms including LPL Financial, AXA Advisors, and HSBC. Simon is also an investment program manager for GTE Investment Group. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party managers.

Jonathan Tubbs is a financial advisor with LPL Enterprise, holding Series 65 and Series 63 licenses and bringing 17 years of industry experience. His career includes long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. He also has administrative responsibilities with Congdon and Company. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, along with a range of financial planning and consulting services.

Kathryn French is a financial advisor with LPL Financial based in Lakeland, FL, holding Series 63, Series 65, and Series 66 designations and over 27 years of industry experience. Her prior work includes 18 years at Allen & Company of Florida, Inc. and four years at Merrill. 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, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Christopher Mincey Sr. is a Series 66-licensed financial advisor at Edward Jones in Mulberry, FL, with 11 years of industry experience. He has been with Edward Jones since 2014. 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, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Calvin Sutton is a financial advisor at Fidelity with six years of industry experience and holds a Series 66 designation. His career includes roles at UBS Financial Services and Merrill, as well as a four-year period in the premium cigar industry with Rocky Patel Premium Cigars. He works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios, and it serves various clients including registered investment companies and an IRS-qualified Charitable Gift Fund.

Virginia Houghton is a financial advisor with LPL Financial based in Lakeland, FL, holding a Series 66 designation and 19 years of industry experience. She previously worked at Allen & Company of Florida, Inc. for 15 years before joining LPL Financial in 2019. Houghton serves as chairman of the Morrison Foundation, a private nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including access to model portfolios and third-party asset managers.