C Snyder III is a financial advisor with Morgan Stanley based in Sarasota, FL, holding Series 63 and Series 65 licenses and has 37 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he volunteers for the FINRA Continuing Education Content Committee and is involved with Common Sense Carry, providing training and instruction to students. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients. The firm emphasizes structured financial planning supported by proprietary tools and offers both retail and institutional investment solutions.

John Booth is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he worked at Manatee High School for three years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and strategies, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Skye Scott is a financial advisor at Morgan Stanley with eight years of industry experience. Scott holds Series 66 and Series 63 designations and has worked at Morgan Stanley in various roles since 2017, including at Morgan Stanley Private Bank, N.A., and Fisher Investments prior to rejoining Morgan Stanley. Scott also has experience working at the University of Tampa and Gregory Advisors. 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. The firm’s planning process utilizes structured discovery conversations and firm-approved tools, incorporating investment outlooks and modeling techniques.

Jeremy Ruccio is a financial advisor with RBC Capital Markets in Sarasota, FL, holding a Series 66 designation and 18 years of industry experience. His prior experience includes roles at Bank of America, N.A., Merrill Lynch, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, and charitable organizations. The firm offers multiple wrap fee advisory programs with customizable portfolio management and financial planning services, utilizing a combination of in-house and third-party investment managers.

Richard Chojnacki is a financial advisor at Robert W. Baird & Co. with 22 years of industry experience. He holds the Series 66 designation and has worked at Robert W. Baird & Co. since 2018, following prior roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides customized consulting and portfolio services, including financial planning and discretionary management, utilizing a range of investment strategies and both in-house and third-party managers.

Andrew Garbarini is the Vice President and Branch Leader at Fidelity Investments. He leads a team of associates who collaborate with clients to understand their unique situations and develop personalized financial plans. His professional experience includes serving as Vice President and Platinum Services Manager at Morgan Stanley from 2023 to 2025, and as Vice President and Branch Manager at E*TRADE from 2013 to 2023. outside of his professional role, Andrew has interests in baseball, cooking and baking, fishing, military service, parenthood, and volunteering.

Richard Godfrey is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has been with Cambridge Investment Research Advisors since 2020 and has prior experience at several firms, including CCF Investments and Ameritas Investment Corp. Godfrey is also an independent insurance agent and a member of the SmartVestor Council. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Michael Palen is a financial advisor with LPL Financial in Bradenton, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior experience includes over a decade at Cetera Advisor Networks LLC and self-employment in financial services since 1975. Outside of advisory work, he is involved in tax preparation and accounting through Palco Financial Services, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management across a variety of investment strategies.

Christopher Pinckney is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2008 and holds the CERTIFIED FINANCIAL PLANNER™ certification, the Chartered Retirement Planning Counselor designation, and the Personal Investment Advisor credential. Christopher earned both his Bachelor's and Master's degrees from St. John Fisher College. He focuses on areas including college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, retirement income, and women and wealth. A native of Rochester, NY, Christopher currently resides in Sarasota. He is active in his community, serving on the boards of Girls Inc. of Sarasota and the Paradise Resource Center. Outside of work, he is an Ironman triathlete, marathon runner, skier, and enjoys activities such as basketball, biking, boating, fishing, football, music, running, and spending time with his family.

John Bordages is a financial advisor with Morgan Stanley in Sarasota, FL, holding a Series 66 designation and 20 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory work, he serves as the executor for the Estate of James Bartley. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process and a variety of investment programs without providing individual security recommendations as part of its standalone planning services.

John Murphy IV is a CFP® professional with 27 years of experience in financial advising, currently with Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. He is also involved in a business ownership role with JVM Group, LLC, which supports his planning practice. Ameriprise provides a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, delivering tailored recommendation reports focused on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to produce these recommendations, serving a wide range of clients with advisory, brokerage, and insurance solutions.

Mark Tobias is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets beginning in 1993. He is based in Long Boat Key, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a 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 outlook models.

Robert Pesce is a financial advisor with Raymond James & Associates in Sarasota, FL, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services that leverage a range of portfolio management styles and affiliated research.

Jeffrey Layhew is a financial advisor with LPL Financial in Palmetto, FL, holding Series 63, 65, and 66 credentials and 34 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory work, he has acted as a film extra and sells motocross bikes and parts online. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and diversified investment strategies.

Tanner Owens is a financial advisor at Morgan Stanley in Sarasota, FL, holding a Series 66 designation with three years of industry experience. His prior roles include positions at UBS Securities LLC, Rotech, Stones River Country Club, and Middle Tennessee State University. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers its services through both direct and corporate financial planning agreements.

Mary Carr is a financial advisor at Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses with 32 years of industry experience. She has worked at Morgan Stanley since 2010. Outside of her advisory role, she participates in personal sales with Avon and works as an employee selling nail products for Color Street. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside broad retail and institutional offerings.

Harry Pinkham is a CFP® professional with 33 years of industry experience, currently serving at Wells Fargo Advisors since 2022. He previously worked with Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he owns ESJ Investment Co, LLC, and is an agent with Capstan Insurance Consulting LLC. Wells Fargo Advisors is a large broker-dealer and registered investment adviser that offers comprehensive investment and financial planning services to individuals, trusts, and institutional clients, utilizing Wells Fargo’s research and planning tools to develop tailored recommendations.

Maura Guthrie is a CFP® professional with 24 years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2017 and was previously with UBS Financial Services Inc for nine years. Wells Fargo Advisors provides investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and delivers both brokerage and advisory solutions.

Randle Mc Swain is a CFP® and holds a Series 66 license with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory strategies and affiliated investment products supported by a large network of financial advisors and branch offices.

Charles Belluardo is a Senior Financial Advisor and a founding partner of The Beacon Group. With over 25 years as a licensed investment professional, he specializes in portfolio management, focusing on managing risk through technical analysis, portfolio hedging strategies, and portfolio management policy. He is dedicated to building long-term client relationships and delivering client service by aligning financial strategies with clients' goals and values. Charlie holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification as well as the Certified Plan Fiduciary Advisor (CPFA) designation. He also holds titles as a Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and in Sports & Entertainment (SE). He earned a High School Diploma from Southern Regional High School and attended Georgian Court College without obtaining a degree. Outside of his financial advisory role, Charlie has been a professional and amateur automobile racecar driver for over 15 years, competing across the U.S. and Canada. He has two children and has also raised two foster children. His personal interests include adventure sports, spending time with his family, traveling, and watching movies.