Keith Harvey is a CFP® with 35 years of industry experience, currently serving as a financial advisor at Thrivent Investment Management since 2002. He is based in Tampa, FL, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he manages several personal rental property businesses. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering written financial plans without portfolio management or discretionary authority. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account services under a consolidated billing option.

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.

William Steves is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and possessing 42 years of industry experience. He has been with Osaic since 2023 and previously worked at Sagepoint Financial, Inc. since 2009. Steves is also the president and owner of Steves Investment Management, Inc., a business entity maintained for tax purposes. Osaic Wealth, Inc. serves a diverse clientele including retail and institutional investors such as high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing firm-provided asset allocation tools and third-party platforms to construct and manage portfolios across multiple asset classes.

Gerhard Steven Jr. is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he held various roles including work with Virgin Islands Small Business Development and Federal Emergency Management Agency. He also operated a taxi service business for a period. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and methodologies to support clients’ financial goals.

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.

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.

Eileen Thompson is a financial advisor with Merrill in Clearwater, FL, holding a Series 66 designation and 26 years of industry experience. She has been with Merrill since 1995. Outside of her primary role, she serves as a power of attorney for a non-investment-related entity in Green Cove Springs, Florida. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jason Pinholster is a financial advisor with Charles Schwab in Clearwater, FL, holding Series 63 and Series 65 licenses and having 14 years of industry experience. He has worked at various Charles Schwab entities since 2009. 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, offering a combination of non-discretionary advice and access to discretionary separately managed accounts via an integrated platform.

George Keim is a CFP® certificant with over 33 years of experience in the financial industry. He has been with Raymond James Financial since 2006 and holds Series 63 and Series 65 licenses. In addition to his advisory role, he is an associate at Hirschberger Financial Services, where he provides financial planning services including tax and estate planning. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, and institutional investors. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and encourages implementation through its advisory programs and other providers.

Kevin Donoghue is a financial advisor at Ameriprise with 25 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliates since 2012. Outside of his advisory role, Donoghue serves on several boards including the Dunedin Fine Art Center and the Morton Plant Mease Health Care Foundation, and he is chairman of the Pinellas Health Facilities Authority. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research-driven modeling and tax-efficiency analysis to provide tailored, non-discretionary retirement recommendations through a centralized consulting team.

Jessica Whitton is a financial advisor at Merrill with 17 years at the firm and 12 years of industry experience. She holds a Series 66 designation. Outside of her advisory role, she is a co-owner of several family rental properties. 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, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

Raymond Mckenney is a Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since joining the firm in 2018. Prior to this, he began his career in financial advising in 2010. Raymond holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and maintains Series 6, 7, 63, and 66 registrations with the Financial Industry Regulatory Authority (FINRA). He also holds the Personal Investment Advisor (PIA) designation. Raymond collaborates closely with individuals, families, and business owners to develop tailored financial strategies aimed at supporting their goals and long-term vision. His areas of focus include retirement income planning, wealth management, legacy planning, liquidity management, and estate planning strategies. By understanding each client's unique circumstances, he assists in simplifying complex financial decisions and works alongside tax and legal professionals to provide a cohesive planning experience. Outside of his professional responsibilities, Raymond lives in St. Petersburg, Florida, with his wife, Erica, and their two children. He enjoys traveling, attending sporting events, fishing, boating, golfing, and spending time with his family. Raymond is actively involved in youth coaching and mentoring within his community.

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 with Merrill in Tampa, FL, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to joining Merrill, Alexis 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 work, Alexis serves as a General Partner and Managing Member of La Liga Sports Agency LLC, which focuses on developing and supporting underprivileged youth and young adult athletes through skill development, training, and player representation. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Hall is a financial advisor with Merrill, holding a Series 66 designation and bringing 14 years of industry experience. His career includes roles at Bank of America, Pinnacle Financial Services, and United Health Group. Outside of advisory work, he assists with business documents and taxes through Robert Hall Enterprises and acts as an independent agent providing Medicare and debt reduction services. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Thomas Kelly is a financial advisor at Stifel with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Invesco, Capital Group - American Funds Distributors, Jackson National Life, and Allstate. Stifel serves a broad range of individual and institutional clients, offering brokerage and investment advisory services including fee-based financial planning and recommendations of third-party advisers. The firm’s investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

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.

David Rosensteel is a financial advisor with LPL Financial in Port Richey, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He worked at Independent Financial Partners for 10 years before joining LPL Financial, where he has been since 2009. Outside of advising, he is also a CPA and spends part of his time on tax preparation and bookkeeping services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a wide range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and diverse investment strategies.

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.