Michael Wilhelm is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has been associated with Cetera and its related entities since 2019 and operates Michael A. Wilhelm Investments, Inc. since 2008. Outside of his advisory role, he serves on the finance committee of St. Columbkille Catholic Church, assisting with budgeting and fundraising. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, including discretionary and non-discretionary services and access to various third-party money managers.

Bruno Gonzalez is an advisor at Fidelity with Series 66 and Series 63 licenses and has one year of industry experience. His prior work includes roles at Beeline and the United States Marine Corps. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios composed of mutual funds, ETFs, and ETPs, and serves as an advisor to multiple registered investment companies.

Elizabeth Scoggins is a financial advisor at Stifel with eight years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services and Next Level Church. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Nicklas Nagengast is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has seven years of industry experience, including prior roles at Foresters Financial Services and MassMutual Life Insurance Company. Outside of his advisory work, he independently provides dog sitting services. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, money-manager programs, and educational seminars.

Michael Olson is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. Outside of his advisory role, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, focusing on individual and high-net-worth clients with model-delivery strategies and selective separately managed account options. The firm uses third-party asset managers and BNY Mellon Advisors for portfolio implementation, providing a tiered wrap-fee structure and maintaining oversight of its investment models.

Dawn Salerno is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services Inc for 16 years before joining Wells Fargo Advisors in 2022. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options including retirement, education, risk management, and specialized services such as business-owner transition and special-needs analysis. Advisors use Wells Fargo’s research and planning tools to develop tailored recommendations, with implementation options through the firm’s brokerage or advisory programs.

Jennifer Monty is a financial advisor with Raymond James & Associates in Fort Myers, FL, holding Series 66 and Series 63 designations and seven years of industry experience. Her prior work includes roles at DDPC and running The Monty Agency, where she worked as an independent contractor proofreading and editing legal transcripts. Outside of advising, she has experience in proofreading legal documents through The Monty Agency. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and public entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, supported by extensive research, model portfolios, and municipal advisory capabilities.

Susan Watts is a financial advisor at UBS Financial Services with 39 years of industry experience. She has been with UBS since 1985. Outside of her financial career, she has written a fictional book along with a prequel and two sequels and is seeking publication for these works. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, providing a broad range of financial services.

Michael Morin is a financial advisor at Charles Schwab in Fort Myers, FL, holding a Series 66 credential with four years of industry experience. His prior positions include roles at Merrill Lynch, Bank of America, and TigerDirect. Outside of financial services, he is the sole owner and manager of an LLC involved in a rental investment property. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering integrated brokerage, advisory, and custody services. The firm provides a combination of non-discretionary investment guidance and access to discretionary separately managed accounts using multi-asset model portfolios and research-backed alternative investments.

Peter Haack Jr. is a CFP® with 32 years of industry experience, currently affiliated with Morgan Stanley in Estero, FL. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he manages a real estate rental business jointly with his spouse. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations to model outcomes.

James Macdonald is a CFP®-designated financial advisor with UBS Financial Services in Estero, FL, where he has worked since 1985, accumulating 41 years of industry experience. He holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products, utilizing proprietary research and model-based asset allocations.

Michael Stone is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several related firms, including First Allied Advisory Services and Cetera, over the past decade. Outside of his advisory role, he is a partner at Freedom Tax and Financial, providing tax preparation and consulting services, and he coaches at Iron Mikes High Performance. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, 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 managers, supporting a wide range of program structures and investment strategies.

Bharat Kikani is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Prudential Insurance Company of America since 1999 and Pruco Securities, LLC from 1999 to 2024 before joining LPL Enterprise. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

Danielle Gates is a CFP®-certified financial advisor with 27 years of industry experience, currently affiliated with LPL Financial since 2019. She previously worked at Fsc Securities Corporation for six years. Outside of her advisory role, she is the business owner of Businesses Supporting Communities Inc., an event planning company in Cape Coral, FL. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and consulting services supported by research, model portfolios, and various management options.

Jeffrey Mcglone is a financial advisor with Morgan Stanley in Fort Myers, FL, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. His career includes roles at Merrill from 1998 to 2019, Bank of America from 2009 to 2019, and Morgan Stanley since 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by proprietary tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services that focus on structured discovery without individual security recommendations as part of standalone programs.

Steven Ehrman is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with LPL Financial since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and third-party research.

Mike Hauser is a financial advisor with LPL Financial in Fort Myers Beach, FL, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory work, he is involved in a family-owned public relations firm that also provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, combining discretionary and non-discretionary portfolio management with research support and various investment strategies.

Jonathan Cabrera is a financial advisor with LPL Financial based in Cape Coral, FL. He holds a Series 66 designation and has four years of industry experience, including prior roles at Morgan Stanley and Wells Fargo Clearing Services. Outside of his advisory work, he is a partner in Four Hands Properties LLC, involved in property management and business development. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, and corporations, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary portfolio management along with access to model portfolios, research, and various specialized investment strategies.

Adam Schwartz is a CFP® professional with 32 years of industry experience, currently serving as an advisor at OSAIC in Ft Myers, FL. He has previously worked at MGFS Private Wealth, GCD Advisors, Woodbury Financial Services, AssetMark Brokerage, and Centurion Capital Group. In addition to his advisory work, he is an author and operates several consulting and advisory businesses. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, institutions, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to multiple investment platforms and third-party managers.

Luis Barriera Garay is a financial advisor with Primerica Advisors, holding a Series 65 designation and possessing 11 years of industry experience. He has worked at Pfs Investments Inc since 2013 and at Primerica Financial Services since 2011. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, offering advisory services through model-based strategies created by unaffiliated asset managers.