Vicki Morgan is a financial advisor at Merrill with 30 years of industry experience and holds a Series 63 designation. She has been with Merrill since 1992. 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, pension plans, corporations, and charitable organizations.

Melinda Jones is a financial advisor with Wells Fargo Clearing in Tarpon Springs, FL, holding Series 63 and Series 66 designations and possessing 14 years of industry experience. She has been with Wells Fargo Clearing and Wells Fargo Bank since 2016. 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 a range of brokerage and advisory solutions utilizing research from Wells Fargo Investment Institute and third-party analytics.

Eban Barnett is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding CFP® and Series 66 credentials and bringing 24 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Morgan Stanley. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning that utilizes firm‑approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through a structured financial planning process without offering individual security recommendations as part of standalone plans.

Babubhai Doshi is a financial advisor at Raymond James Financial with 38 years of industry experience. He holds a Series 63 designation and has been with Raymond James Financial Services Advisors, Inc. since 2015. Doshi is also the owner of Doshi Financial LLC, where he serves as Branch Manager. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and consulting using analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting.

Ryan Malo is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and five years of industry experience. Prior to joining Ameriprise in 2020, he worked in education at K12 - Florida Cyber Charter Academy, Brooks DeBartolo Collegiate High School, and Kaneland CUSD #302. Ameriprise offers a retirement-income planning service for individuals approaching or in retirement, focusing on clients with substantial investable assets. The firm utilizes a centralized consulting team and algorithmic tools to deliver non-discretionary, tax-efficient retirement recommendations tailored to clients’ Ameriprise-managed accounts.

Peter Dickenson is a financial advisor at Primerica Advisors with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Primerica Advisors since 2016 and Primerica Financial Services since 2014. In addition to advisory work, he receives compensation for the sale of loan products and part-time referrals for home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services through model-based strategies created by unaffiliated managers.

David Moffatt is a financial advisor at Cetera with 10 years of industry experience. He holds the Series 66 designation and has worked at Cetera and its affiliated entities since 2022, following six years at Raymond James. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporations, charitable organizations, and institutional accounts. The firm offers portfolio management, financial planning, and various retirement services through a multi-manager platform, supporting a range of program structures and custodial relationships.

Kevon Musgrove is a financial advisor with Raymond James Financial in Clearwater, FL, holding Series 63 and Series 65 licenses and three years of industry experience. His prior work includes roles at Keybridge Wealth Management and Florida Financial Advisors. He is also associated with CN Wealth Management/Keybridge Wealth Management as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and analytical tools to support client goals and maintains a municipal advisory affiliation that supports public-finance work.

Rebecca Johnson is a CFP® with 37 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 15 years. Johnson serves on the Board of Directors and Finance Committee of Oakhurst UMC and consults as an independent financial advisor outside of her primary firm. Ameriprise is a large institutional firm offering retirement-income planning services tailored to individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations delivered in partnership with clients’ advisors.

Kyle Huber is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding Series 65 and Series 63 credentials and having 10 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019 and was previously with Jaffe Tilchin Wealth Management from 2014 to 2019. 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 that uses structured discovery conversations and firm-approved planning tools.

Amy Barkalow is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and bringing 28 years of industry experience. She has worked at Aurgroup Financial Credit Union for 11 years and has been associated with Financial Planning Center and Cambridge Investment Research, Inc. since 2003. Barkalow is also a notary public and an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving 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 independent Financial Professionals, utilizing a range of portfolio management strategies across multiple custody and platform arrangements.

Zachery Sobel is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Morgan Stanley, he worked for six years at Cole, Scott, & Kissane, P.A., and has a background in law with a Juris Doctor from the University of Cincinnati College of Law. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients through a variety of advisory programs and financial planning services. The firm employs a structured planning process using firm-approved tools and supports broad retail and institutional offerings alongside specialized activities such as principal trading and private fund relationships.

Isabella Roldan is a financial advisor at OSAIC with Series 65 and Series 63 licenses. She has been associated with OSAIC since 2025 and previously worked at Wagner Advisory Group from 2022. Her background includes roles outside the financial industry and education at the University of Tampa. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers through multiple advisory platforms.

Catherine Small is a financial advisor with Ameriprise Financial Services, holding a Series 66 credential and bringing 22 years of industry experience. She has been with Ameriprise since 2009, working through its various entities over that time. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Gerard Kelly III is a financial advisor with Stifel in Clearwater, FL, holding a Series 63 designation and 39 years of industry experience. He has been with Stifel Nicolaus since 2013. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, employing forward-looking capital market assumptions and probabilistic modeling.

Joyce Hoban is a financial advisor with Ameriprise in Palm Harbor, FL, holding Series 63 and Series 65 licenses and having 29 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she owns a management corporation used to pay business expenses related to her practice. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Keyon Smith is a financial advisor at Merrill with 22 years of industry experience. He has worked at Merrill and Bank of America since 2015. Outside of his advisory role, he is involved in an online product sales business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Thomas Kane is a CFP® professional with 27 years of industry experience, currently serving at Raymond James Financial since 2009. He is based in Clearwater, FL, and holds Series 63 and Series 65 licenses. Kane serves as a trustee on the Town of Belleair Police Pension Board, involved in the management and administration of the police pension plan. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports municipal and public finance work through its affiliation with a municipal advisor.

Robert Markovetz Jr. is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at Training Technologies and Support and Logistics & Technology Services. He is involved in sales of investment-related products and receives compensation for referrals connected to home security and automation services. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports account custody through Pershing, with approximately $15.5 billion in assets under management.

James Ciocia is a financial advisor at Cetera with 38 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at National Securities Corporation and Gilman & Ciocia Inc. in various roles spanning over four decades. Outside of his advisory work, he owns and operates Generations Tax & Wealth Management, a CPA and wealth management firm, and serves as an insurance agent for Universal Financial Consultants, focusing on fixed life insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.