John Towers is a financial advisor with Osaic who holds Series 63 and Series 65 credentials and has 41 years of industry experience. Prior to joining Osaic in 2025, he worked for Lincoln Financial Advisors for 23 years. He also engages in insurance activities, offering various types of health and life insurance products. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and access to third-party managers to construct portfolios across a broad spectrum of investment options.

Peter Delgreco is a CFA® charterholder and holds a Series 66 license with 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. He serves as an investment committee member for the Winchester Country Club 401(k) Plan. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Mina Choe Mc Quade is a financial advisor with UBS Financial Services in Fort Myers, FL, holding Series 63 and Series 65 licenses and five years of industry experience. She previously worked at Equitable Advisors LLC and has experience in consulting and other roles outside the financial industry. Mc Quade serves as an associate board member of the Korean American Foundation. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client solutions.

Brian Heberle is a financial advisor with Raymond James & Associates in Fort Myers, FL, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting through a range of portfolio management styles, supported by research and affiliated sub-advisers.

Mark Geissinger is a CFP® and ChFC® with 26 years of industry experience. He has been with Ameriprise since 2005, currently serving as a financial advisor in Fort Myers, FL. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Jennifer Ramey is a financial advisor with Morgan Stanley in Fort Myers, FL, holding a Series 66 designation and bringing 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and employs structured planning processes supported by firm‑approved tools.

Steven Spence is a financial advisor with LPL Financial in Labelle, FL, holding Series 63 and Series 65 licenses and 38 years of industry experience. Before joining LPL Financial in 2018, he worked at Invest Financial Corporation for eight years. Outside of his advisory role, he owns and operates a cattle farm and practices law as an attorney. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party sources.

William Foulk III is a financial advisor with Osaic Wealth, Inc. in Ft. Myers, FL, holding a Series 63 designation and bringing 30 years of industry experience. Prior to joining Osaic in 2025, he worked for Lincoln Financial Securities Corporation for 17 years. Outside of advising, he is also licensed as an insurance agent offering various health and life insurance products. Osaic serves a wide range of clients, including individual investors, high-net-worth individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services through multiple platforms, utilizing asset-allocation tools, risk assessments, and third-party managers to deliver diversified investment solutions.

Grayson Hogoboom is a financial advisor at Charles Schwab with Series 65 and Series 63 credentials and two years of industry experience. He has worked within various divisions of Charles Schwab since 2023 and has prior experience in diverse roles outside the financial industry, including employment in the hospitality and retail sectors. Charles Schwab & Co., Inc. serves a large client base, 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 uses multi-asset model portfolios supported by comprehensive research and due diligence.

Mark Fontana is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and bringing 30 years of industry experience. His prior experience includes roles at Ameriprise Financial Services and Thrivent Financial for Lutherans, where he worked for over a decade. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and technology-driven strategies.

David Osborn is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. Prior to joining Morgan Stanley in 2021, he spent 10 years at Bank of America and 25 years at Merrill. He serves as a director on the investment committee of the Allentown Symphony Association, a charitable organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations in its financial planning process.

Pamela Mahar is a financial advisor at Wells Fargo Advisors in Fort Myers, FL, holding a Series 63 designation with 29 years of industry experience. She has been with Wells Fargo Advisors and affiliated entities since 2009. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions by providing investment and fee-based financial planning services across a broad range of planning areas, including specialized services such as business-owner transition and special-needs analysis. The firm uses proprietary research and planning tools to develop tailored recommendations, with clients able to implement these through various brokerage or advisory programs.

Kyle Sanders is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. His prior work includes roles at Charles Schwab and Kanakuk Kamps, as well as educational positions at Indiana Wesleyan University and local schools. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through its affiliated municipal advisor.

Brian Sumwalt is a financial advisor at Edward Jones with 16 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2009. 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 investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Susana Romero is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds the Series 66 designation and has previously worked at UBS Financial Services Inc., Raymond James Financial Services Inc., and Kleinfield Wealth Group. She also assisted advisors at Kleinfield Wealth Group in client support and account processing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines in-house research and third-party analytics to offer diversified investment solutions and provides a range of financial products through bank and insurance affiliates.

Kevin Shepard is a financial advisor with Merrill in Ft Myers, FL, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has worked at Merrill since 2008 and Bank of America, N.A. since 2011. Outside of his advisory role, he is associated with an investment-related business named Kevin and Marilee Shepard. Merrill, along 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 charities.

Trudell Kolpack is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2018, following a decade at Wells Fargo Bank, N.A. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by extensive research and analytics.

William Prue is a financial advisor at Raymond James Financial with Series 65 and Series 63 licenses and 35 years of industry experience. He previously worked for Commonwealth Financial Network and Touchpoint Financial Advisor Group for 16 years before joining Raymond James in 2026. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Douglas Gallwas is a financial advisor at Osaic with 38 years of industry experience. He previously worked at Woodbury Financial Services Inc. for 23 years before joining Osaic in 2024. Outside of his advisory role, Gallwas is involved in managing a European Wax Center franchise through Vittoria Management, LLC. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm uses various tools and multiple advisory platforms to construct diversified portfolios tailored to client risk tolerance and investment restrictions.

Juliana Lombardo is a Series 66 licensed financial advisor with UBS Financial Services in Tampa, FL, having two years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Equitable Advisors. Outside of finance, she has worked in the food service industry with Little Greek New Tampa and Vale Food Co. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services across a broad array of investment products.