Ronald Valdez is a financial advisor with Fidelity who holds Series 63 and Series 65 designations and has 22 years of industry experience. His prior experience includes seven years at Edward Jones before joining Fidelity in 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves in advisory roles for multiple registered investment companies and fund-of-funds.

Kevin Dichillo is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at TD Ameritrade, Merrill, and OSAIC. Charles Schwab 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and utilizes multi-asset model portfolios supported by Schwab Center for Financial Research due diligence.

Ryan Stevens is a financial advisor with Ameriprise Financial Services, holding Series 65 and Series 63 licenses and bringing 28 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Raymond James & Associates, and Comerica Securities. Outside of advising, Stevens serves as an assistant tennis coach at Wayne State University. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on tax-aware withdrawal strategies and dependable income sources.

Matthew Kotuby is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he specializes in retirement planning strategies for both businesses and families. Since beginning his career in the financial services industry in 2007 and joining Merrill in 2009 upon relocating to Florida, he has focused on assisting clients in establishing financial objectives and developing customized strategies to manage income, retirement planning, and estate planning. He seeks to simplify the complexity of clients' financial lives to allow them to concentrate on business, family, and enjoying retirement. Matthew holds a Bachelor of Business Administration and a Master of Business Administration with a concentration in finance, both from the University of Bridgeport. He has earned multiple professional designations including Certified Financial Planner® (CFP®), Chartered Financial Consultant® (ChFC®), and Certified Investment Management Analyst® (CIMA®). His expertise includes a range of financial planning areas such as divorce transition planning, employee benefits planning, institutional and corporate benefit services, tax minimization, and special needs planning strategies. Outside of his professional work, Matthew enjoys spending time outdoors in the Sarasota area with his wife, Teri, and their three children. His personal interests include baseball, biking, cooking, fishing, golfing, and gymnastics.

Phyllis Gau is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its affiliated entities since 2007. Gau volunteers as a teacher with Junior Achievement of the Quad Cities. Morgan Stanley Wealth Management is an investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

William Hazel is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cedar Wealth Management and Eubel Brady & Suttman. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a variety of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms.

Pablo Miranda is a financial advisor with Fidelity Investments and holds Series 63 and Series 66 credentials. He has 18 years of industry experience, including roles at Morgan Stanley and USAA Financial Advisors. His career also includes a decade at The Clara Abbott Foundation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including managing model portfolios that combine fundamental research with quantitative and algorithmic methods. The firm serves a variety of clients through discretionary and non-discretionary advisory services and is noted for its use of systematic portfolio construction and formal advisory roles to registered investment companies.

Dylan Page is a financial advisor with Raymond James & Associates in Lakewood Ranch, FL, holding a Series 66 designation and 10 years of industry experience. He has worked with Raymond James & Associates since 2015. 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 clients, and municipalities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Jennifer Keller is a financial advisor at Ameriprise with six years of experience at the firm and a total of 12 years in the industry. She holds Series 65 and Series 63 licenses and previously worked at Chase Bank and DRB Capital. Keller is based in Lakewood Ranch, Florida. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Thomas Maurer is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 designations. He has 40 years of industry experience, including prior roles at H. Beck, Inc. and ownership of Matthew516, Ltd. Outside of his advisory work, he is president of an independent insurance agency and serves on the board of a professional building in Canton, Ohio. Cambridge Investment Research Advisors serves individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of Financial Professionals, managing a multi-billion dollar asset base with various platform offerings and proprietary model strategies.

Angela Renna is a financial advisor with LPL Financial and holds a Series 66 designation. She has 20 years of industry experience, including prior roles at OSAIC, Sii, and Equitable Advisors. Outside of her advisory work, she is involved with Sterling Benefits Group, which specializes in health insurance and Medicare. 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, and institutional platforms, supported by a large network of advisors and advanced operational tools.

William Maegerlein is a financial advisor at Edward Jones in Bradenton, FL, with nine years of industry experience and a Series 66 designation. He has been with Edward Jones since 2017 and has also been involved with Strata Consulting since 2015. Outside of his advisory work, he participates as a pitmaster in competitive barbecue events. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Kim Meissner is a financial advisor with Edward Jones in Longboat Key, Florida, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to joining Edward Jones in 2025, Meissner worked at New York Life from 2019 to 2025. There are no notable outside business activities reported. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and maintains a large network of advisors and branch offices nationwide.

Oscar Lopez Gutierrez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His work history includes roles at Bank of America and Merrill, as well as a position at J-Los Beauty Supply. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Richards is a financial advisor at UBS Financial Services with 15 years of industry experience. He has worked at UBS since 2019 and was previously employed at Morgan Stanley Smith Barney from 2015 to 2019. Richards holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Cheryl Fainelli is a Series 66-licensed financial advisor with four years of industry experience. She is currently with Osaic Wealth, Inc. and has worked previously at Kovack Securities, Kovack Advisors, IC Advisory Services, and several other firms. Outside of her advisory role, she is a director of the Valdez Veteran Alliance Services, a nonprofit organization focused on event planning and volunteer coordination, and participates actively in local school advisory councils and alumni association leadership. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of services from comprehensive financial planning to managed portfolios, utilizing model-based asset allocation and portfolio optimization supported by various advanced tools and third-party managers.

Pawel Szott is a financial advisor with LPL Financial, holding Series 63 and 65 licenses and bringing 30 years of industry experience. His career includes roles at Merrill, Waddell & Reed, and Realty Executives of NV. Outside of advising, he has been involved in real estate activities and previously worked as an Uber driver. 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 range of advisory and brokerage services, including financial planning and access to model portfolio programs, combining technology tools with a broad platform of investment options.

Matthew Bower is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 11 years of industry experience. Prior to joining Raymond James in 2024, he spent nine years with Edward Jones. He is president of Bower Wealth Management and is involved in a partnership marketing venture under Gilmore, Bower & Fernandez. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, institutional, and charitable clients. The firm offers tailored non-discretionary planning and investment consulting through a large advisor network and supports municipal and public finance work with a distinctive affiliate municipal advisor arrangement.

Warren Strauss is a financial advisor at LPL Financial with 44 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Ameriprise Financial Services and Oppenheimer. Outside of his advisory role, he is the owner of Assertive Firearms Team Training, where he serves as a firearms instructor in Bradenton, Florida. 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 range of financial planning and investment services delivered through a large network of advisers utilizing diverse strategies and supported by advanced operational tools.

Ricardo Rivera is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. He has worked at Bank of America and Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.