Andrew Whitmore is a CFP® professional with 31 years of experience in the financial services industry. He has been with Ameriprise since 2009 and currently manages his practice through a legal entity he established for administrative purposes. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, providing detailed written recommendations that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

Jacqueline Bennett is a financial advisor with Osaic Wealth, Inc. based in San Antonio, Florida, holding Series 63 and Series 65 designations and 41 years of industry experience. Her prior work includes roles at New Century Financial Group and DMG Financial LLC, and she has operated the Jackie Bennett Financial Group since 1984. Outside of her advisory work, she serves as Vice President of the BNI Signature Elite Chapter, managing its Membership Committee. Osaic Wealth, Inc. serves a diverse client base including individual and institutional investors through a broad network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to various managed account platforms. The firm employs asset-allocation tools and risk-assessment methodologies to construct investment portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Gopal Sharma is a financial advisor at Osaic with 28 years of industry experience. He holds Series 63 and 65 credentials and has worked at Woodbury Financial Services, Inc. and Questar Capital. Outside of advisory work, Sharma operates a tax and accounting sole proprietorship and manages a corporation providing life, health, and disability insurance services. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisors, offering integrated brokerage, advisory services, and access to third-party investment platforms. The firm employs asset-allocation tools and automated rebalancing to construct portfolios across various investment types, managing accounts on discretionary or non-discretionary bases.

Nickeel Kanji is a financial advisor at Fidelity with five years of industry experience and holds the Series 66 designation. Prior to joining Fidelity, he worked at Merrill and Phelps Dunbar LLP and has a background that includes roles at the University of Central Florida. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a diverse range of funds and model portfolios.

Cassandra Rigney is a financial advisor with Primerica Advisors in Land O Lakes, FL, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Primerica, she worked in various roles including at Turo and the USA Census Bureau. Outside of her advisory work, she also drives for Lyft on a part-time basis. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients within a wrap-fee structure.

Kenneth Carruba is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses, and has 32 years of industry experience. His prior work includes positions at Carruba Quealy & Associates, Waddell & Reed, Inc., and various insurance carriers. He is also the owner of Silent Partners Technology, a business outside of his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing model portfolios and research from internal and third-party sources.

Rufus Hawkins II is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Edward Jones and Fifth Third Securities. He also serves as an advisor at Suncoast Credit Union and CUNA Brokerage Services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, 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, model portfolios, and retirement plan consulting.

April Bronson is a Series 66-licensed financial advisor with 15 years of industry experience. She is currently with OSAIC, having joined in 2023, and previously worked at Raymond James and Associates, Signator Investors, Inc., and Full Circle Financial. Outside of her advisory role, she owns and operates Bronson's Crafts N Such, a business creating hand-painted wood items sold at craft shows and on Etsy. OSAIC serves a diverse clientele, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of investment options and utilizes firm-provided tools for portfolio construction and management.

Zehra Candler is a financial advisor with LPL Financial in Tampa, FL, holding Series 63 and Series 66 credentials and 24 years of industry experience. She previously worked at USAA Investment Management Company and USAA Financial Advisors, Inc., with nearly a decade of service at USAA Financial Planning Services. Zehra is involved in managing Candler Wealth Management, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a variety of advisory programs, financial planning, and retirement consulting with access to model portfolios, research, and diversified strategies.

Jodi Perez is a CFP® professional affiliated with Raymond James Financial Services Advisors, Inc. She has 40 years of industry experience and has held roles at multiple financial firms since 2012. Perez is also a partner in Holliday/Perez, LLC, which owns the office building where her practice is located. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary planning and supports a broad advisor network, with specialized municipal and public finance services.

Alexis Reyes is a financial advisor at Merrill with Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining Merrill, Reyes worked at Bank of America, E*TRADE Securities, Morgan Stanley Smith Barney, JPMorgan Securities, JPMorgan Chase Bank, TD Bank, and Capital Communication Federal Credit Union. Outside of advisory roles, Reyes is a general partner and managing member of La Liga Sports Agency LLC, which focuses on developing and supporting underprivileged youth and young adult sports athletes through skill development, training academies, community leagues, and player representation. 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 supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Coviello is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes positions at Morgan Stanley and T. Rowe Price. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios across mutual funds, ETFs, and ETPs, and has a formal advisory role to multiple registered investment companies and fund-of-funds.

Tyler Thomas is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior work includes positions at The Vanguard Group, Inc. and Morgan Stanley. Fidelity’s affiliate, Strategic Advisers LLC, offers investment management and advisory services to retail and institutional clients, emphasizing a systematic investment process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its advisory role to multiple registered investment companies and use of advanced technologies such as AI in its research.

Sean Devine is a financial advisor at Osaic Wealth Inc. with over six years of experience in the financial services industry. He holds a Series 66 designation and has worked at firms including Fidelity Investments, Morgan Stanley, and Wells Fargo. Osaic Wealth Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk tolerance assessments, and automated rebalancing to construct portfolios across various investment types for both discretionary and non-discretionary accounts.

Frederick Cardinale is a CFP® and PFS™ with 30 years of industry experience, currently serving at Cetera. He has held roles at Avantax Insurance Agency, Avantax Advisory Services, and has owned Cardinale Financial Group, LLC since 2009, where he manages tax preparation and accounting services. He is also Treasurer of the Oak Ridge Professional Park Owners Association. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Robert Severin is a financial advisor with Merrill in Wesley Chapel, FL, holding a Series 66 designation and seven years of industry experience. He has been affiliated with both Merrill and Bank of America, N.A. since 2012. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies designed by internal and third-party managers.

Brett Bennett is a financial advisor at Fidelity with 16 years of industry experience. His previous roles include positions at Charles Schwab, E*TRADE Capital Management, and Fidelity Investments. Outside of his advisory work, he is a passive co-owner of a freight logistics franchise. Brett works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a process combining proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Waymon Jordan is a financial advisor with Primerica Advisors in Lakeland, FL, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has worked with PFS Investments Inc. since 2006 and Primerica Financial Services since 1997. In addition to advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and limited discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Stirling Heath is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior roles include positions at LPL Financial, Allianz Life Insurance Company of North America, and Jackson National Life Distributors. 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 advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Paul Vogel is a financial advisor with LPL Financial in Odessa, FL, holding a Series 63 designation and 38 years of industry experience. Prior to joining LPL Financial in 2022, he worked at Ameriprise Financial Services, Inc. for seven years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing various model portfolios and research resources.