Phillip O'dell is a CFP® and ChFC® credentialed financial advisor with Edward Jones in Crystal River, FL, bringing 34 years of industry experience. He has been with Edward Jones since 1992. Outside of his advisory role, he is president of PEVCO LLC, a company involved in managing an undeveloped real estate lot in Beverly Hills, FL. 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, including discretionary and non-discretionary wrap fee strategies and separately managed accounts, and supports its services with a nationwide network of financial advisors and branch offices.

Candy Murphy is a financial advisor at Osaic Wealth, Inc. with 21 years of industry experience. She holds a Series 66 designation and has previously worked at Securities America Advisors, Inc. and Investacorp Advisory Services. Outside of her advisory role, Murphy works with insurance companies offering fixed annuities to clients and is involved with Bayside Financial Strategies, focusing on fixed annuities, fixed indexed annuities, long-term care, and life insurance products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated financial advisors. The firm provides integrated brokerage and advisory services, financial planning, and access to third-party money managers, utilizing various portfolio construction tools and offering discretionary and non-discretionary account management.

Joseph Federico is a financial advisor with Edward Jones in Dunnellon, FL, holding CFP® and Series 66 credentials and bringing 11 years of industry experience. He has been with Edward Jones since 2014 and also serves in the United States Air Force Reserves since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Walter Szturma is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings a disciplined and creative approach to advising, developing personalized financial strategies designed to help clients pursue their long-term goals. Walter collaborates closely with individuals, families, businesses, and non-profits to provide investment management solutions focused on growing and preserving wealth. His client expertise includes college education planning, family wealth management, divorce transition planning, legacy and retirement planning, as well as specialized services for endowments, foundations, defined benefit and contribution plans, and sports and entertainment sectors. Walter began his career after working with the New York Stock Exchange and joined Merrill in 1978. Over more than four decades, he has integrated his entrepreneurial skills with a commitment to client-centered service, leveraging research and resources from Merrill Lynch Wealth Management. His educational background includes a master’s and bachelor’s degree from St. John’s University, where he was recognized by Beta Gamma Sigma and Omicron Delta Epsilon honor societies for scholastic achievement. Walter holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA), and he is a voting member of the American Economic Association. Walter’s career also reflects strong community involvement. He spent 21 years conducting business in the US Virgin Islands, where he was active in local non-profit boards and mentoring programs, supporting organizations such as the Caribbean Dance Company, Island Center for the Performing Arts, and the Women’s Coalition of St. Croix. A lifelong Rotarian, he continues to dedicate time to volunteer activities. His personal interests include baseball, football, ice hockey, music, photography, scuba diving, singing, softball, swimming, and tennis.

Robert Schlumberger is a financial advisor with Cetera who holds a Series 63 designation and has 40 years of industry experience. He has been affiliated with Cetera and Cetera Wealth Services since 2025 and is also involved with Aksala Wealth Advisors, LLC and Schlumberger-Jones CPA & CO. Outside of advisory roles, he serves as president of Schlumberger Accounting Services, Inc. and is treasurer and comptroller for the Meadow Crest Condo I Association. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management and a variety of program platforms, with access to affiliated and third-party managers across multiple custodial relationships.

Ausra York is a financial advisor at Osaic with seven years of industry experience. She holds the Series 66 designation and has previously worked at Woodbury Financial Services, Inc. and Questar Capital Corporation. Outside of her advisory role, she assists with bookkeeping and administrative duties at a family-owned fish farm and is a notary public. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, and corporations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing tools such as asset-allocation models, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes.

Wendy Woods is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2013. Alongside her financial career, she has been involved with Bikram Yoga Fort Collins since 2005. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment advisory programs with both discretionary and non-discretionary strategies.

Jonathan Dunn is a financial advisor at Edward Jones in Homosassa, FL, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Modern Woodmen of America, Walmart, and McDonald's. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large nationwide network of financial advisors and branch offices.

Carolyn Caffee is a financial advisor with Raymond James & Associates in Crystal River, FL. She holds Series 63 and Series 66 designations and has 33 years of industry experience. Carolyn has been with Raymond James & Associates since 1987. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Renwick Brutus is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, he is involved in consulting, speaking, and coaching through Achievement Resources, LLC. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third‑party money managers. The firm employs various portfolio construction tools and supports managed accounts with diverse investment options.

Dawn Maurer is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has worked with Charles Schwab and its affiliated entities since 2004 and previously operated Maurer Inc. Outside of her advisory role, she has performed part-time data entry work as a contractor for WCC, LLC. 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, combining non-discretionary and discretionary investment solutions supported by centralized custody and operational infrastructure.

Andrew Breese is a financial advisor at Edward Jones with 21 years of industry experience. He has been with Edward Jones since 2008 and holds Series 63 and Series 65 designations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Brenda D'arville is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 registrations and bringing 28 years of industry experience. She has worked at various Raymond James entities since 2011 and was involved with DW Commercial Property, LLC from 2019 to 2023. Outside of her advisory role, she owns and manages D'Arville & Co., Inc., providing tax preparation and business management services. 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, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning and uses analytical tools such as risk profiling and probability modeling to support client goals.

Tracy Alm is a CFP® professional with 27 years of experience, currently serving clients at Raymond James & Associates since 1999. She holds Series 63 and Series 65 licenses. Alm also acts as a lender for a personal loan to a family member involved in a rental real estate business. 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, institutions, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional advisory services.

Mathew Witherow is a financial advisor at Edward Jones with two years of industry experience. He holds the Series 66 designation and previously served on the Marion County School Board for 12 years. Outside of his advisory role, he is a director of Suncoast Business Masters, a local business organization. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and affiliated financial services. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branch offices.

Neville Melvin is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 17 years of industry experience. His prior roles include positions at SunTrust Investment Services, Truist Advisory Services, Ameriprise, and Merrill. He is a minority owner of a family-run business involved in the sales and installation of bathroom fixtures, though he is not involved in its management. Cetera Investment Advisers LLC distributes its services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager investment platform with options ranging from model portfolios to bespoke strategies across discretionary and non-discretionary accounts.

Mark O'Connell is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 37 years of industry experience. He previously worked for Crown Capital Securities, LP for 12 years and has operated O'Connell Financial since 1987. 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 financial planning and advisory services including model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Chris Nelson is a CFP® professional with 30 years of experience in the financial services industry. He is currently with OSAIC, having joined in 2023, and previously worked at SagePoint Financial and Valley Bank and Trust. Outside of his advisory role, he is involved as a partner or president in agricultural and business ventures including Nelson Brothers Farms and Three Pheasants, LLC. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services with various investment platforms and third-party manager access. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios.

Amy Mc Laughlin is a financial advisor at Raymond James & Associates with 18 years of industry experience. She holds a Series 66 designation and has been with Raymond James since 2007. Outside of her advisory role, she serves as Treasurer and Director of the Citrus County Education Foundation, a nonprofit organization. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Ryan Duke is a financial advisor with Merrill in Crystal River, FL, holding a Series 66 license and two years of industry experience. His prior roles include positions at Morgan Stanley and Bank of America. He has also worked in the hospitality and retail sectors, including at Surf Hut and Polo Ralph Lauren. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.