Kenneth Kubik is a financial advisor with Merrill in Bradenton, FL, holding Series 63 and Series 65 credentials and 37 years of industry experience. He has worked at Merrill and Bank of America since 2009, with prior experience at Morgan Stanley from 1991 to 2008. Outside of his advisory role, he is a limited partner in JKLM Powerpartners, a holding company for minor league baseball teams. 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 institutions.

Nicholas Geric is a Series 66-licensed financial advisor at LPL Financial with six years of industry experience. He has worked at LPL Financial since 2019 and previously was employed at the University of North Florida from 2016 to 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Joshua Jones is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and six years of industry experience. His prior roles include positions at Morgan Stanley, Wells Fargo, and Suncoast Credit Union. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a model portfolio approach that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction.

Austin Bain is a financial advisor at Cambridge Investment Research Advisors with Series 63 and Series 65 licenses and five years of industry experience. He has been with Cambridge since 2018 in various capacities and has worked concurrently at the University of West Florida since 2017. Bain is also an independent insurance agent affiliated with several agencies. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates a multi-billion dollar asset base through thousands of financial professionals and provides access to multiple platforms, third-party advisers, and proprietary model strategies.

Kevin Rubin is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services from 1991 to 2009. Rubin has been with Merrill and Bank of America, N.A. since 2009. 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 using model-based and discretionary investment strategies.

Ryan Felker is a Financial Consultant at Fidelity Investments, a role he has held since 2026. He has progressed through various positions within Fidelity, including Financial Consultant I (2025-2026), Planning Consultant (2024-2025), and Financial Representative (2023-2024). Prior to joining Fidelity, Ryan completed a Rotational Banking Internship at FirstBank in 2022. Ryan focuses on helping individuals and families pursue their financial goals through personalized and collaborative planning. He emphasizes understanding each client's unique goals, values, and circumstances to provide tailored guidance and evaluate strategies related to retirement, sustainable income, wealth accumulation, and long-term financial objectives. Outside of his professional work, Ryan has interests in the beach, cars, fitness, food, football, and traveling.

Tyler Mcniel is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2011. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies overseen by internal and third-party managers.

Robert Young is a financial advisor at Merrill with 50 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 2006, alongside a tenure at Bank of America since 2009. 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, and institutional investors.

Kirstin Minor is a Senior Financial Advisor at Merrill Lynch Wealth Management, working alongside her husband Andy to serve clients in the Bradenton and Sarasota, Florida areas. She joined Merrill Lynch Wealth Management in 2017 and specializes in areas including college education planning, family wealth management strategies, and supporting women in wealth. Kirstin holds a Bachelor of Arts degree in Finance and a Bachelor of Arts degree in Criminal Justice from Michigan State University, earned in 2005. She also holds several professional designations including the Personal Investment Advisor (PIA), the Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designation which focuses on professionals in the sports and entertainment industries. Originally from Michigan, Kirstin has lived in Florida since 2005 and currently resides in Bradenton with her husband and their three children. She contributes to her community and is involved with St. Joseph's Catholic School. Outside of work, Kirstin enjoys boating, cooking, horseback riding, reading, skiing, traveling, and spending time with her family.

Michael Cermak is a financial advisor at Raymond James & Associates in Lakewood Ranch, FL. He holds a Series 66 designation and has one year of industry experience. Prior to joining Raymond James, he worked in educational roles at the University of South Florida, State College of Florida, and Riverview High School. Raymond James & Associates is a large 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 with a range of portfolio management styles.

Greg Neatrour is a Financial Consultant at Fidelity Investments, a position he has held since 2023. Prior to this role, he worked as a Planning Consultant at Fidelity Investments from 2022 to 2023. He has also served as a Financial Advisor at Morgan Stanley from 2020 to 2021 and at Merrill Lynch from 2018 to 2020. Greg's professional philosophy centers on building trust through individualized financial planning. His career is motivated by a commitment to developing lasting relationships by helping people address their financial needs. He holds a California Insurance License as part of his professional credentials. Outside of his professional work, Greg engages in activities such as fitness, social events with friends, outdoor adventures, snowboarding, and volunteering.

Guy Allen is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has worked at prominent firms including Bank of America, Merrill, TD Ameritrade, Wells Fargo Clearing, and UBS Financial Services. Outside of finance, he is a silent partner in a family-owned fitness studio, The Pilates Loft of Punta Gorda, which he co-manages with his spouse. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Maureen Dye is a financial advisor with Wells Fargo Clearing in Palmetto, FL, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. She has been with Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2017 and previously worked with Manatee County Schools for one year. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions, relying on research from Wells Fargo Investment Institute and third-party sources to guide investment decisions.

Paul Colte is a financial advisor with Equitable Advisors in Bradenton, FL, holding a Series 66 credential and 21 years of industry experience. He has been with Equitable Advisors since 2005, including time at its predecessor, Axa Advisors. Outside of his advisory role, he serves as president of Helm Financial Group and is involved in other insurance-related business activities. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations through financial planning, retirement consulting, and asset-management programs. The firm utilizes a range of advisory models implemented primarily through third-party sponsors and offers ERISA fiduciary services for qualified plans.

Elwood Gross III is a Certified Financial Planner (CFP®) with 18 years of experience, currently affiliated with Edward Jones in Bradenton, FL, where he has worked since 2008. He participates in the finance team of Young Life of Manatee County, providing financial accountability and advising on hiring, fundraising, and financial planning matters. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs and affiliated financial services supported by a nationwide network of more than 23,000 advisors.

Michael Gibson is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. He focuses on helping clients protect and strengthen their financial security through planning and guidance. Michael emphasizes the importance of consistent and long-lasting relationships in implementing sound financial plans. His professional experience includes serving as Regional Director at Principal Financial Group from 2012 to 2017, and as Founder and President of Redwood Investments from 2005 to 2012. Prior to that, he worked as an Investment Representative at Edward Jones Investments from 2001 to 2005. Michael has been serving clients in the financial industry since 2001. Michael holds a California Insurance License.

Juan Limon is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked with firms including Capital Choice Financial Services and Ameritas Investment Corp. Outside of his advisory role, he is also a musician. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm provides access to multiple platforms and custodians, supporting both discretionary and non-discretionary management with proprietary model strategies under the Founders Gate Capital brand.

Gary Liebel is a financial advisor with Morgan Stanley in Bradenton, FL, holding Series 63, 65, and 66 licenses and possessing 39 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney LLC from 2011 through the present. Outside of his advisory role, he is involved in several private businesses, including serving as vice president of Presque Isle Boat Tours Inc. and owning a restaurant called Woodys BARge and Grill. 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. Their planning process incorporates firm-approved tools and models but generally does not include individual security recommendations as part of standalone plans.

Karissa Campbell is a CFP®-designated financial advisor with six years of industry experience, currently serving clients at Cambridge Investment Research Advisors. Prior to her advisory role, she worked for seven years at the Sarasota Herald Tribune. Outside of her financial advisory work, she is involved in yoga instruction through her business, Karissa Karma Yoga, LLC. Cambridge Investment Research Advisors serves a diverse client base, including individuals and institutions such as pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides services through multiple platforms and custodians.

Dennis Kruk is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that are designed to be flexible and responsive to changing market conditions and his clients’ evolving needs. His approach focuses on understanding the full financial picture of clients and their families to create comprehensive and customized plans. He offers access to investment insights from Merrill as well as banking and lending solutions from Bank of America to address various aspects of clients' financial lives. Dennis holds a Bachelor's Degree from Baruch College and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). His client focus areas include family wealth management strategies, managing new wealth, personal retirement planning, portfolio management, tax minimization, and retirement income. In addition to his advisory work, Dennis is involved in his community through volunteering with organizations such as Habitat for Humanity and Southeastern Guide Dogs. Outside of work, he enjoys biking, golfing, swimming, and spending time with his family.