Joseph Carpenter is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 32 years of industry experience. His prior roles include positions at Avantax Advisory Services, Avantax Insurance Agency, and the Center for Strategy Research. Outside of his advisory work, he serves as president of a nonprofit board, the ISDA Fraternal Lodge 214. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management options and third-party managers, supporting both discretionary and non-discretionary account structures.

Mark Ratay is a financial advisor with Morgan Stanley in Fort Myers, FL, holding Series 63 and Series 65 credentials and having 41 years of industry experience. He has worked with Morgan Stanley and its associated Private Bank since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Marlene Mccracken is a financial advisor with Wells Fargo Clearing in Fort Myers, FL, holding a Series 63 designation and 17 years of industry experience. She has worked with Wells Fargo-affiliated firms since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, retirement plan consulting, and a range of brokerage and advisory solutions supported by extensive research and analytics.

Brian Murphy is a financial advisor with Primerica Advisors in Fort Myers, Florida, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Primerica Advisors since 1997 and has a background with Navy Pier, Inc. Outside of his advisory role, he serves as president of Elite Business Solutions and owns MAM & Associates, Inc., both involved in investment-related activities. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients through a network of nearly 3,700 advisors. The firm utilizes model-based strategies managed by external asset managers and offers discretionary separately managed accounts with oversight from BNY Mellon Advisors and Pershing for trade execution and custody.

Michael Soto is a financial advisor with Merrill in Fort Myers, FL, holding a Series 66 designation and having 20 years of industry experience. He has been with Merrill since 2006. Outside of his advisory role, he is the owner of The Soto Family Trust LLC, a family business entity based in Cape Coral, FL. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides model-based and discretionary investment strategies developed by internal and third-party managers, with portfolio implementation tailored by strategy and client tax sensitivity.

Michael Matheson is a CFP® professional affiliated with LPL Financial, with 37 years of industry experience. He previously worked for Financial Dimensions Group, Inc. and Osaic Wealth, Inc. (formerly Royal Alliance Associates, Inc.) for 19 years. Matheson is involved in several business entities unrelated to typical investment activities, including an ownership role in 11272 Partners, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary research and third-party subadvisors across various platforms.

Sam Mazzotti is a financial advisor with Edward Jones in Cape Coral, FL, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with Edward Jones since 1995. Outside of his advisory role, Mazzotti serves as a trustee for the City of Cape Coral General Employee Pension Plan. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of advisory strategies and affiliated investment products, operating under a fiduciary standard and supported by a large nationwide network of financial advisors and branch offices.

Maura Laudone is a financial advisor with Mass Mutual Investors Services in Bonita Springs, FL, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Her prior roles include positions at MetLife Securities Inc. and MassMutual Life Insurance Co. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals—including high-net-worth clients—as well as business owners, trusts, estates, charitable organizations, and employers, offering financial planning, asset management, and educational seminars.

Travis Kraker is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. He previously worked at U.S. Bancorp Investments, Inc. for 11 years before joining Ameriprise Financial Advisors Inc. and later Ameriprise. Outside of his advisory role, he is a co-owner of Freppert Outdoor Solutions, a landscaping business. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Els Bunkens is a CFP® and holds a Series 66 license with seven years of industry experience, all with Edward Jones since 2019. She is based in Fort Myers, FL. 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, operating under a fiduciary standard.

Wilfred Brockman Jr. is a CFP® professional with 33 years of industry experience, currently with Cambridge Investment Research Advisors since 2010. He also operates BrockmanWealth and Capital LLC and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides both discretionary and non-discretionary investment solutions across multiple platforms and employs proprietary and third-party strategies.

Jenna Bornhorst is a financial advisor with Morgan Stanley in Fort Myers, FL, holding a Series 66 credential and bringing nine years of industry experience. She has been with Morgan Stanley since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a planning process that incorporates firm-approved tools and market modeling techniques.

James Percifield is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. Outside of his advisory role, he owns and manages a residential townhome in Michigan City, Indiana. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jeffrey Berry is a financial advisor with Wells Fargo Clearing in Fort Myers, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He previously worked at UBS Financial Services for 12 years before joining Wells Fargo Clearing in 2020. Outside of his advisory role, he has ownership interests in two private LLCs, including one that holds a boat. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, and it acts as an ERISA fiduciary when advising clients.

Patrick Naidl is a financial advisor with Primerica Advisors in Ft Myers, FL, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked with PFS Investments Inc. since 2011 and with Primerica Financial Services since 2010. Outside of his advisory role, he is a partner in a hair salon business based in Naples, FL. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale, offering model-delivery investment strategies supported by third-party asset managers and custodians.

Benjamin Dreon is a CFP® professional with 20 years of experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he serves on the board of the Johnson Manor Homeowner Association and volunteers with the Angel Foundation, participating in the development of the FCC Program. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to generate tailored recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions as a large institutional provider.

Mark Landskroner is a financial advisor with Primerica Advisors in Fort Myers, FL, holding Series 65 and Series 63 licenses and bringing 22 years of industry experience. His prior roles include six years at J.P. Morgan Securities and JPMorgan Chase Bank, as well as two years with Citizens Bank and Citizens Securities. Outside of advisory services, he also engages in sales of loan products and home security and automation referrals for affiliated Primerica companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-delivery strategies managed by third-party asset managers and supported by an overlay manager and custody providers. The firm operates on a large scale with approximately 3,961 advisors and offers a range of strategic investment models, including those incorporating exchange-traded funds focused on cryptocurrency.

Sandra Whitmer is a financial advisor with Primerica Advisors based in Bonita Springs, FL, holding Series 63, Series 65, and Series 66 licenses, with three years of industry experience. Prior to her current role, she worked at Spica Up English School and WAC Tile & Marble Inc. She has additional involvement in sales of loan products and home security services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm delivers advisory services at scale through model-driven investment strategies supported by third-party asset managers and custodians.

Amanda Pflanz is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by structured discovery and advanced modeling tools.

Tana Reich is a financial advisor at Stifel with 28 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Bank of America from 2011 to 2022 before joining Stifel in 2022. Outside of her advisory role, she volunteers with Wildblue Charitable Neighbors, serving on the services committee to support local initiatives related to hunger, housing, animal welfare, youth education, seniors, and veterans in Lee County. Stifel serves a diverse client base including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and allocation guidance developed by its Investment Strategy Group.