Charles Young III is a Series 66 licensed financial advisor at Merrill with seven years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2019, and previously spent nine years at Post University. 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 offers model-based and discretionary investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ashley Barthelette is a financial advisor at Fidelity with four years of industry experience. She holds a Series 66 designation and previously worked at LPL Financial for five years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a wide range of portfolios and models.

Christopher Baker is a financial advisor with Edward Jones in Wesley Chapel, Florida. He holds the Series 63 and Series 66 designations and has 22 years of industry experience. Prior to joining Edward Jones in 2018, he worked at Saybrus Equity Services, Saybrus Partners, Mercap Securities, and Ash Brokerage. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment strategies, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Richard Graff is a financial advisor with Edward Jones in Tampa, FL, holding Series 63 and Series 65 designations and over 41 years of industry experience. Prior to joining Edward Jones in 2026, he was self-employed and affiliated with Stifel Independent Advisors, LLC for 20 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Tara Fiber is a financial advisor at Wells Fargo Advisors with a Series 66 credential and three years of industry experience. Before joining Wells Fargo Advisors, she worked in the dental field as a dental hygienist and has experience in various roles including private dental offices. She currently maintains a part-time position as a dental hygienist at Coral Reef Dental. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutional clients, using a broad planning menu that includes retirement, education, risk, and wealth-transfer strategies. The firm combines advisory services with other financial products and referral channels, providing tailored recommendations based on proprietary research and planning tools.

Salvatore Vaccaro is a financial advisor at Fidelity with six years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Morgan Wilshire, Wells Fargo, Edward Jones, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, an IRS-qualified Charitable Gift Fund, and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and systematic portfolio construction, managing a range of model portfolios and serving as an adviser to multiple registered investment companies and fund-of-funds.

Somer Al Juma is a financial advisor at Charles Schwab with seven years of industry experience and holds a Series 66 designation. Prior to joining Charles Schwab, he worked at TD Ameritrade and has experience in various roles including administrative support for a religious organization. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by integrated brokerage, custody, and research capabilities.

James Ciocia is a financial advisor at Cetera with 15 years of industry experience and holds a Series 66 designation. His prior roles include positions at National Asset Management, National Securities Corporation, and Gilman Ciocia, Inc. In addition to his advisory work, he is involved in tax preparation services through his ownership of JPC TWM LLC and work with Generations Tax and Wealth Management. Cetera Investment Advisers LLC serves a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create customized strategies across discretionary and non-discretionary programs.

Melissa Rodriguez is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has 21 years of industry experience, including roles at Park Avenue Securities, Axa Advisors, and The Guardian Life Insurance Company of America. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using collaborative, software-supported planning tools to deliver written recommendations tailored to clients' goals.

Maciel Porrao is a CFP® professional with seven years of industry experience, currently serving as an advisor at Charles Schwab in Wesley Chapel, FL. His prior roles include positions at Fisher Investments, Merrill, TD Ameritrade, and Scottrade. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios supported by centralized supervisory and custody arrangements.

Michael Massrock is a financial advisor at OSAIC with 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Sagepoint Financial, Inc. and Innovation Partners LLC. Outside of his advisory role, he is an associate-manager of an LLC used for tax purposes in his wife’s name. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach is model-based, emphasizing asset allocation and portfolio optimization, with a broad range of program options and a complex affiliate network.

Preston Tagaras is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James Financial since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Heather Hubbard is a financial advisor at Cetera with 16 years of industry experience. She holds a Series 66 designation and has been with Cetera Investment Advisors LLC since 2014. Outside of her advisory work, she serves as president of Rest Eternal Mission Inc., a nonprofit organization, where she oversees board meetings and volunteer coordination. Cetera Investment Advisors LLC is an SEC-registered firm that serves individual clients, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and consulting services including discretionary and non-discretionary management, utilizing a multi-manager platform with access to affiliated and third-party managers.

Jonathan Diamond is a financial advisor with Wells Fargo Clearing in Tarpon Springs, FL, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and at Wachovia Bank, N.A. since 2009. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Crystal Kitchens is a Series 66-licensed financial advisor with Cetera, based in New Port Richey, FL, and has four years of industry experience. She has worked at Cetera Investment Services LLC since 2022 and also has experience at Regions Bank beginning in 2009. Outside of her advisory role, she is connected to ALUMPROS LLC, a construction business fully owned by her spouse. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers diverse investment management options through a multi-manager platform with both discretionary and non-discretionary programs and supports over 10,000 advisors nationwide.

Mariah Peaster is a financial advisor at Cetera with a Series 66 designation and four years of industry experience. She has held roles at multiple firms, including Northwestern Mutual and MassMutual Life Insurance Company. Outside of her advisory work, she is employed as a sign language interpreter and is active in commercial and residential real estate sales as an independent contractor. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment management and financial planning services through a large network of independent advisors, utilizing multiple program structures and both discretionary and non-discretionary portfolio management approaches.

Andrew Anderson is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes roles at Fisher Investments, Fidelity Investments, and The Vanguard Group. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and a range of program structures.

Julie Sevelius is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 23 years of industry experience. She has served in the US Army since 2002 and has been with Raymond James & Associates since 2015. Outside of her advisory work, she is affiliated with the Academy At the Lakes. 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, institutional clients, and public entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Roy Niggebrugge is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His career includes roles at National Securities Corporation and Gilman & Ciocia, with his current position at Cetera starting in 2020. Outside of his advisory work, he owns and operates a food truck business and manages a CPA and wealth management firm. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a wide range of discretionary and non-discretionary investment programs, managing over $256 billion in assets across more than 10,000 advisors.

Christine Mclean is a financial advisor with Cetera, holding the CFP® designation and Series 63 and 65 licenses, and has 31 years of industry experience. She previously worked at Commonwealth Financial Network for 22 years and has been involved with Addessi Financial Partners since 1994, offering tax preparation services through that entity. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm provides a range of portfolio management and financial planning services with multiple program structures and access to third-party managers.