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.

Theodore Bickert is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 65 and Series 63 licenses and having one year of industry experience. His prior roles include positions at Primerica Financial Services, Advanced Drainage Systems, Barette Outdoor Living, and Northwestern Mutual. He also receives compensation for the sale of loan products and home-related services through affiliate companies. Primerica Advisors is the sponsor and discretionary portfolio manager of a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients, with approximately $15.5 billion in assets under management. The firm utilizes model-driven investment strategies supported by third-party asset managers and custodians.

Randy Perry is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 66 designations and has worked with various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolios, with distinctive features including registration as a commodity pool operator and the use of AI in research.

Scott Conti is a financial advisor with Ameriprise in Sarasota, FL, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves as president of SBConti, Inc., a tax preparation business. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet certain asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, primarily for clients with Ameriprise-managed accounts.

Michael Steuer is a Series 65-credentialed advisor with Cetera Wealth Services, LLC, bringing 12 years of industry experience. He has a substantial background in accounting and tax services through his ownership of multiple CPA firms since 2003. Outside of his advisory role, Steuer serves as president and treasurer for several local condominium and homeowner associations, and he is also president of a technology and marketing services corporation. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors serving individual, institutional, and retirement plan clients. The firm offers diverse investment solutions, including discretionary and non-discretionary portfolio management, access to third-party money managers, and customizable program structures.

Michael Joeckel is a financial advisor with Thrivent Investment Management in Tampa, FL, holding Series 63 and Series 65 licenses and with 31 years of industry experience. He has worked at Thrivent Financial and Thrivent Investment Management since 2015. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based analyses covering a broad range of planning topics and allows clients to combine planning with managed-account services under a consolidated billing option.

John Putnam is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 57 years of industry experience. He is also the CEO and officer of F L Putnam Securities Inc, a non-traded holding company where he assists in operational planning. Additionally, he owns a business called Putnam 411, providing long-range planning and advice to businesses and individuals, including ESOP consulting using Raymond James resources. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning and analytical tools to help clients achieve their goals and supports these through various advisory programs and institutional consulting.

Aaron Lyon is a CFP® professional with 10 years of industry experience, currently affiliated with Cetera. His prior work includes five years at Commonwealth Financial Network and five years at Wells Fargo in various capacities. In addition to his advisory role, he spends part of his time providing tax preparation services through Addessi Financial Partners. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party investment options.

Kevin Griffith is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and five years of industry experience. His prior work includes roles at Bank of America, Merrill Lynch, and Cigna, with periods dedicated to travel between positions. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning using structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning alongside a broad set of investment and financial services.

Elena Richardson is a financial advisor at Morgan Stanley with seven years of industry experience. She holds Series 63 and Series 65 credentials. Her work history includes multiple roles at Morgan Stanley Smith Barney LLC, UBS Financial Services Inc., Charles Schwab Bank, and Charles Schwab & Co., Inc. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

Jade Yang is a Planning Consultant at Fidelity Investments, a position she has held since 2022. In this role, she partners with clients to develop customized financial plans tailored to their unique needs, maintaining open communication and focusing on both short and long-term financial goals. Prior to her current role, Jade gained experience as a Financial Solution Advisor at Merrill Lynch from 2019 to 2020 and as a Financial Advisor at Integral Financial from 2016 to 2019. These positions have contributed to her expertise in financial planning and client relationship management.

Stavros Moforis is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 14 years of industry experience. His prior roles include positions at Sagepoint Financial, Sentinel Financial, and LifeCraft. Outside of advising, he volunteers as a junior hockey coach and referee and manages a family-owned gas station business. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations, offering integrated brokerage and advisory services. The firm employs a range of investment tools and platforms to construct portfolios tailored to clients’ needs, with options for discretionary and non-discretionary management.

Marcy Morgan is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 66 designations and has 15 years of industry experience. Her prior roles include positions at BNY Mellon Securities Corporation, First Republic Securities Company, Deutsche Bank Securities Inc, and Db Trust Company Americas. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joseph Aramini is a financial advisor with Fidelity, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance Company, and Mass Mutual Investors Services. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, with a focus on discretionary portfolio management and fund advisory. The firm employs proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage model portfolios.

Robert Arroyo is a financial advisor with Cambridge Investment Research Advisors in Clearwater, FL, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at Duncan Financial Planning Advisors and First Allied Advisory Services. Outside of advisory work, he owns a vending machine distribution business and operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

David Sobel is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and 11 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and previously at Morgan Stanley Smith Barney LLC from 2014 to 2017. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and offers a range of investment and planning services, including corporate financial planning agreements.

Lillian Schnabel is a financial advisor at Charles Schwab with 10 years of industry experience. She holds a Series 66 designation and has previously worked at Merrill, Bank of America, Fidelity Investments, and UMUC. Charles Schwab 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Matthew Anderson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 25 years of industry experience. His career includes roles at BB&T and BB&T Securities prior to joining Wells Fargo Bank and Wells Fargo Clearing in 2020. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Josue Laborde is a financial advisor with J.P. Morgan Securities in Tampa, FL, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and serves as Treasurer for the Doxa Foundation International, a Christian humanitarian organization focused on aiding impoverished communities in Haiti. His role there involves financial oversight, reporting, and budgeting. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Kriss Bryan is a financial advisor with Primerica Advisors in Tarpon Springs, FL, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. He has been with Primerica Advisors since 2016 and also has professional experience with Amazon Inc., Humana/KMG, Teradyne, Inc., and Primerica Financial Services. Outside of his advisory role, he is the owner of KWB Entertainment, Inc. and an author. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm employs model-delivery investment strategies supported by third-party asset managers and serves a broad client base with approximately $15.5 billion in assets under management.