Austin Bain is a financial advisor at Cambridge Investment Research Advisors with Series 63 and Series 65 licenses and five years of industry experience. He has been with Cambridge since 2018 in various capacities and has worked concurrently at the University of West Florida since 2017. Bain is also an independent insurance agent affiliated with several agencies. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates a multi-billion dollar asset base through thousands of financial professionals and provides access to multiple platforms, third-party advisers, and proprietary model strategies.

Robert Young is a financial advisor at Merrill with 50 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 2006, alongside a tenure at Bank of America since 2009. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kirstin Minor is a Senior Financial Advisor at Merrill Lynch Wealth Management, working alongside her husband Andy to serve clients in the Bradenton and Sarasota, Florida areas. She joined Merrill Lynch Wealth Management in 2017 and specializes in areas including college education planning, family wealth management strategies, and supporting women in wealth. Kirstin holds a Bachelor of Arts degree in Finance and a Bachelor of Arts degree in Criminal Justice from Michigan State University, earned in 2005. She also holds several professional designations including the Personal Investment Advisor (PIA), the Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designation which focuses on professionals in the sports and entertainment industries. Originally from Michigan, Kirstin has lived in Florida since 2005 and currently resides in Bradenton with her husband and their three children. She contributes to her community and is involved with St. Joseph's Catholic School. Outside of work, Kirstin enjoys boating, cooking, horseback riding, reading, skiing, traveling, and spending time with her family.

Maureen Dye is a financial advisor with Wells Fargo Clearing in Palmetto, FL, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. She has been with Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2017 and previously worked with Manatee County Schools for one year. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions, relying on research from Wells Fargo Investment Institute and third-party sources to guide investment decisions.

Aaron Middleton is a CFP® and ChFC® with seven years of industry experience. He is currently with Cetera and previously worked at firms including LPL Enterprise, Prudential Insurance Company of America, and Edward Jones. Middleton served 20 years in the United States Marine Corps. Outside of his advisory work, he volunteers with the nonprofit Scarletts Sunshine, where he helps distribute flowers monthly. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management services and financial planning through a nationwide network of independent advisors.

Paul Colte is a financial advisor with Equitable Advisors in Bradenton, FL, holding a Series 66 credential and 21 years of industry experience. He has been with Equitable Advisors since 2005, including time at its predecessor, Axa Advisors. Outside of his advisory role, he serves as president of Helm Financial Group and is involved in other insurance-related business activities. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations through financial planning, retirement consulting, and asset-management programs. The firm utilizes a range of advisory models implemented primarily through third-party sponsors and offers ERISA fiduciary services for qualified plans.

Elwood Gross III is a Certified Financial Planner (CFP®) with 18 years of experience, currently affiliated with Edward Jones in Bradenton, FL, where he has worked since 2008. He participates in the finance team of Young Life of Manatee County, providing financial accountability and advising on hiring, fundraising, and financial planning matters. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs and affiliated financial services supported by a nationwide network of more than 23,000 advisors.

Vincenzo Palmerino is a financial advisor at Cetera with a Series 66 designation and five years of industry experience. Prior to joining Cetera, he worked at The Richman Group and Bridgewater Associates. He is also a financial planning associate at CCR Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services utilizing a multi-manager platform with both discretionary and non-discretionary program options.

Gary Liebel is a financial advisor with Morgan Stanley in Bradenton, FL, holding Series 63, 65, and 66 licenses and possessing 39 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney LLC from 2011 through the present. Outside of his advisory role, he is involved in several private businesses, including serving as vice president of Presque Isle Boat Tours Inc. and owning a restaurant called Woodys BARge and Grill. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their planning process incorporates firm-approved tools and models but generally does not include individual security recommendations as part of standalone plans.

Dennis Kruk is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that are designed to be flexible and responsive to changing market conditions and his clients’ evolving needs. His approach focuses on understanding the full financial picture of clients and their families to create comprehensive and customized plans. He offers access to investment insights from Merrill as well as banking and lending solutions from Bank of America to address various aspects of clients' financial lives. Dennis holds a Bachelor's Degree from Baruch College and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). His client focus areas include family wealth management strategies, managing new wealth, personal retirement planning, portfolio management, tax minimization, and retirement income. In addition to his advisory work, Dennis is involved in his community through volunteering with organizations such as Habitat for Humanity and Southeastern Guide Dogs. Outside of work, he enjoys biking, golfing, swimming, and spending time with his family.

Brian Best is a financial advisor at J.P. Morgan Securities with 31 years of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at PNC Wealth Management, Trustmont Advisory Group, Best & Company Investment Management, and Raymond James & Associates. Outside of his advisory work, he is an owner and partner of Blue Horseshoe Ranch LLC, a family-run cattle ranch and wedding barn. 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 searches, and customized performance reporting. The firm’s advisory process integrates systematic quantitative screening with qualitative research and includes a broader range of derivatives and commodities capabilities than many institutional programs.

Richard Eaton is a financial advisor with Morgan Stanley in Bradenton, FL, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009, following seven years at Citigroup Global Markets. Morgan Stanley Wealth Management serves 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 supported by proprietary tools and market modeling.

Brian Smith is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 31 years of industry experience. Prior to joining Cetera in 2022, he worked at Fidelity Personal and Workplace Advisors and Hancock Whitney Bank, where he also served as a wealth advisor providing financial planning and referrals to specialists. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting over 10,000 advisors and managing assets totaling more than $256 billion.

David Nicewarner is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and over 31 years of industry experience. He previously worked at Grove Point Advisors, LLC and Grove Point Investments, LLC, and has operated as a CPA providing tax preparation and accounting services since 1986. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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.

Daniel Wood is a financial advisor with LPL Financial in Bradenton, FL, holding a Series 66 designation and 16 years of industry experience. Prior to joining LPL Financial in 2014, he worked at Edward Jones from 2010 to 2014. He also serves as a Financial Peace University class instructor. 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 and access to third-party asset management, with platforms that support both discretionary and non-discretionary investment strategies.

Carl Koenig is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Doylestown, Pennsylvania office. He has been with the firm for over 30 years, assisting clients through the Wealth Management Process to develop tailored financial strategies. His expertise spans retirement, education, and estate planning, with a focus on goals-based investing and uncovering overlooked aspects of clients’ financial situations. Carl holds a Bachelor of Science degree in Business Administration with a concentration in Economics from Old Dominion University. He was inducted into Omicron Delta Epsilon, the Honors Society in Economics, and completed the Merrill Financial Advisors Leadership Program through The Wharton School at the University of Pennsylvania. He also holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Carl resides in Newtown, Pennsylvania with his wife and three daughters. Outside of his professional work, he enjoys spending his leisure time fishing, biking, traveling, and being with his family.

Mark Occhipinti is a Series 66-licensed financial advisor with Morgan Stanley, where he has worked since 2009 and at the Morgan Stanley Private Bank since 2015, totaling 27 years of industry experience. He is based in Longboat, Florida. Outside of his advisory role, he is a partner in an LLC that manages rental storage units in Pennsylvania. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Tammy Kaplan is a financial advisor at Fidelity with 22 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has worked at Merrill, Chase Investment Services Corp., and Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction that combines fundamental research with quantitative analysis and algorithmic methods.

Richard Schaefer is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools.

Arik Jacobson is a Series 66-licensed financial advisor with OSAIC, based in Bradenton, FL, with 14 years of industry experience. He previously worked at Financial Dimensions Group, Inc. for 12 years. Outside of advising, he is an independent insurance agent selling personal life insurance and serves as a member of the finance committee for a local YMCA. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporations. The firm uses a multi-advisor platform offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization.