David Hill is a CFP® professional with 32 years of experience, currently serving at Raymond James & Associates since 2008. He holds Series 63 and Series 66 licenses and is based in Orlando, FL. Outside of his advisory role, he works as a financial services industry coach and trainer. 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 municipalities, offering non-discretionary financial planning, investment consulting, and municipal advisory services.

Spencer Moran is a financial advisor at LPL Enterprise with a Series 66 credential and two years of industry experience. His prior work history includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Amazon Web Services. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory, and brokerage services supported by LPL’s research, model portfolios, and third-party strategists.

Michael Haas is a financial advisor with Raymond James & Associates in Orlando, FL, holding Series 63 and Series 65 licenses and over 25 years of industry experience. He has been with Raymond James & Associates since 2008. Outside of his advisory role, he serves as a deacon on the finance and care teams at Willow Creek Church, PCA, where he participates in budgeting and community support activities. 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, offering financial planning and consulting primarily through non-discretionary arrangements supported by a range of portfolio management styles and proprietary research.

Marina Borden is a CFP® and Series 66 holder with 7 years of industry experience. She has worked at Charles Schwab & Co., Inc. since 2018 and previously held roles at Keeler Group, University of Central Florida, and Orlando Magic. 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 offers both non-discretionary and discretionary investment solutions using multi-asset model portfolios and provides centralized custody and operational support.

William Winslow is a CFP® professional with 14 years of industry experience, currently serving at Edward Jones since 2011. He holds the Series 66 designation and is based in Winter Garden, Florida. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including wrap fee strategies and separately managed accounts, operating under a fiduciary standard.

Marlies Schubiger is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and six years of industry experience. Her prior work includes roles at UBS Financial Services, Edward Jones, Robinhood Markets, and Equitable Advisors. She is also involved with the Swiss Club of Central Florida. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Jennifer Inigo is a financial advisor at Cetera with five years of industry experience. She holds a Series 66 designation and has worked at Cetera Wealth Services, LLC, and Voya Financial Advisors, Inc. Inigo also serves as a registered representative and investment advisor representative for Bruce Woodruff & Associates, a financial services firm, and works as an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a variety of third-party money managers.

Craig Ratick is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Bruno Perez is a financial advisor with Raymond James & Associates in Orlando, FL, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. Outside of finance, he owns JB Oak Barrel LLC, a business focused on the production and sale of handcrafted home goods and housewares. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, supported by a broad range of portfolio management styles and affiliated research.

Sami Guindi is a Senior Financial Advisor and Vice President with Merrill Lynch Wealth Management, serving as a partner with The MSG Wealth Management Group in Orlando, Florida. In this role, he focuses on integrating all aspects of clients' financial lives to help them pursue their most important goals. By leveraging Merrill's resources and specialists, as well as managing clients' personal and business banking services through Bank of America, he designs customized strategies to grow, preserve, and distribute wealth efficiently with regard to costs and taxes. Sami began his career in this capacity in 2015 and brings expertise in wealth management planning, emphasizing a dynamic process that adapts to the evolving financial landscape. He aims to relieve client stress, save time, and make confident adjustments suitable to individual financial situations regardless of age, wealth, experience, or complexity. He holds a Bachelor's Degree in Finance from the University of Central Florida and has earned the Personal Investment Advisor (PIA) designation. Sami is based in Orlando, Florida.

Timothy Jones is a financial advisor with Cetera in Orlando, FL, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has worked with Cetera and Cetera Wealth Services since 2025 and previously spent 15 years with Concourse Financial Group Securities Inc. In addition to his role at Cetera, he is the managing partner of American Harbour Wealth Management, where he is involved in the sales and service of fixed and health insurance products alongside securities. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and consulting services through a large network of advisors, utilizing multi-manager platforms and a variety of program options to tailor investment strategies.

Daryl Jones is a financial advisor at Osaic Wealth, Inc. with 27 years of industry experience. He previously worked at Triad Advisors, Inc. for 14 years prior to joining Osaic in 2024. In addition to his advisory role, Jones is involved in managing a seasonal rental property and provides wealth management services through Apex Wealth Management LLC. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services. The firm utilizes asset-allocation tools and multiple investment platforms to construct portfolios that can include a variety of securities and alternative investments, with options for discretionary or non-discretionary management.

Jose Duarte is a financial advisor with Ameriprise in Orlando, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2022, he worked at Ace Cash Express for fourteen years. Outside of his advisory role, he writes music for local artists and bands and performs as a pianist in a local group. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement who meet specific asset criteria, combining research and modeling with tax-smart withdrawal strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Ruddie Ibanez Irizarry is a financial advisor at Edward Jones in Orlando, FL, holding a Series 66 designation with one year of industry experience. Prior to his role at Edward Jones, he served in the US Army for 22 years and briefly worked at Citizens Wealth Management. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs backed by a large network of financial advisors and branch offices nationwide.

Ronald Garrison Jr. is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2007. Outside of his advisory role, he owns a rental property in Clermont, Florida. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a broad range of investment and financial services through its extensive network of advisors.

Edward Winokur is a financial advisor with Raymond James & Associates in Orlando, FL, holding Series 65 and Series 66 credentials and bringing 27 years of industry experience. Prior to joining Raymond James in 2026, he worked at Oppenheimer & Co. for eight years and Ameriprise Financial Services for eight years. 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, offering financial planning and consulting services supported by a broad range of portfolio management styles and affiliated research.

Crystal Adames Alejandre is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. She has worked at Merrill and Bank of America since 2019, with prior experience at Northwestern Mutual Investment Services LLC. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sean Silver is a financial advisor at Fidelity with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Charles Schwab. Currently based in Gotha, FL, he has been with Fidelity in various roles since 2021. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic methods to manage portfolios across multiple asset classes.

Bradford Malloy is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. His career history includes roles at Bank of America, Pershing Advisor Solutions, and Edward Jones. He is based in Orlando, FL. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Brodsky is a financial advisor with Ameriprise in Oviedo, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Ameriprise and its related entities since 2010. Outside of his advisory role, Brodsky serves as president and board member for multiple community organizations, including the Yale Alumni Association of Central Florida and the All-Ivy Club of Central Florida, and he is an author of a book on personal improvement. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive withdrawal advice delivered through a centralized consulting team in partnership with client advisors.