Keith Mcateer is a financial advisor with Fifth Third Securities, Inc. in Pinellas Park, FL. He holds Series 63 and Series 65 licenses and has 1 year of industry experience. Prior to his current role at Fifth Third Securities, he has been with Fifth Third Bank since 2013. Fifth Third Securities, Inc. provides brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors through its Passageway Managed Account Program. The firm offers multiple discretionary managed-account options and features such as direct indexing and a tax-overlay service, supported by its affiliation with Fifth Third Bank and partnerships with National Financial Services and Fidelity Institutional Wealth Adviser.

Nicholas Menzies is a financial advisor with Truist Advisory Services in Lakeland, FL, holding a Series 66 designation and two years of industry experience. He previously worked at Ameriprise Financial Services and Edward Jones, and spent over a decade with Polk County Public Schools. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, implementing advice through a combination of discretionary manager relationships and non-discretionary consulting. The firm integrates inter-affiliate services and utilizes AI-enabled tools for research and manager oversight.

Richard Waters Jr. is a CFP® professional with 27 years of experience in financial advising. He is currently with OSAIC Institutions, Inc. and previously worked at Infinex Investments, Inc., Ameriprise Financial Services, and Centennial Bank. Waters contributes written financial advice for a book section focused on life planning for NFL players and provides financial counseling to military personnel and their families through Magellan Financial. OSAIC Institutions, Inc. is an SEC-registered investment adviser that serves individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a platform that includes lending solutions and third-party asset manager referrals.

William Dyer is a CFP® with 23 years of industry experience, currently serving as an advisor at Truist Advisory Services since 2016. He has been affiliated with Truist Investment Services since 2007. Dyer serves as a floating board member for the San Juan Ranch HOA, where he participates in overseeing community maintenance and development projects. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm utilizes both discretionary and non-discretionary approaches, supported by third-party platform and manager arrangements, and integrates services across affiliated entities to deliver its investment solutions.

Adam Banks is a financial advisor with Fifth Third Securities, Inc., holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at Fifth Third Securities and Fifth Third Bank since 2019, following prior roles at Wells Fargo Clearing and Wells Fargo Bank. Fifth Third Securities provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account options combining third-party portfolio managers, strategist portfolios, and advisor-managed sleeves, with features including direct indexing and tax-overlay services.

Benjamin Knox is a CFP® and CFA® with 26 years of industry experience, currently serving as a financial advisor at Fifth Third Securities, Inc. since 2013. He holds Series 63 and Series 65 licenses and is based in Valrico, Florida. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm combines broker-dealer capabilities with municipal advisory registration and operates as a subsidiary of Fifth Third Bank, providing access to multiple managed-account programs and distinctive features such as direct indexing and tax-overlay services.

Harold Mc Intosh is a financial advisor with Principal Financial Services based in Brandon, FL, holding Series 63 and Series 65 licenses and possessing 23 years of industry experience. His prior work includes roles at Michini Wealth Management, Principal Securities Inc, Principal Life Insurance Company, Park Avenue Securities, and GUARDIAN LIFE INSURANCE COMPANY of America. He is also involved in fixed insurance sales, including life, annuities, group benefits, and health insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Andrew Bacharach is a financial advisor with LPL Financial in Brandon, FL, holding Series 63 and Series 65 credentials and bringing two years of industry experience. Prior to joining LPL Financial in 2023, he worked at Fifth Third Bank for eight years and Twin Farms for ten years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Michael Everritt II is a financial advisor with Mass Mutual Investors Services in Brandon, FL, holding Series 63 and Series 65 designations and 12 years of industry experience. He has been with Mass Mutual and its affiliated companies since 2017, following a one-year tenure at LPL Financial. Outside of his advisory role, he manages business operations for the Taylor Financial building and is a managing partner of a real estate-related LLC. Mass Mutual Investors Services, LLC is an SEC-registered broker-dealer and investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, and charitable organizations, utilizing firm-approved tools and structured planning engagements.

Travis Stivender is a financial advisor with Ameriprise Financial Services, LLC and holds Series 63 and Series 66 credentials. He has 25 years of industry experience, including 17 years at Raymond James Financial Services Advisors and a role as Vice President of Johnson Stivender Wealth Advisors. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Donald Johnson is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 40 years of industry experience. Prior to joining Ameriprise in 2026, he worked at Raymond James Financial Services in various capacities from 1998 to 2026. Outside of advising, he is involved in managing several private business ventures including a hunting lease and multiple investment partnerships in Sebring, Florida. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement income planning through written recommendation reports and ongoing advice based on proprietary research and third-party data.

Gary Willis is a financial advisor at Edward Jones with 13 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2013. Outside of his advisory role, he serves as Chairperson and Board Member of Trinity Apartments of Lakeland. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Ryan Conley is a financial advisor with Edward Jones in Bartow, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and tax-efficient services.

William Heath is a financial advisor with LPL Financial in Brandon, FL, holding the CFP® and ChFC® designations and bringing 22 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Edward Jones for 15 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits through a national network of representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services with discretionary and non-discretionary management options supported by LPL Research and third-party subadvisors.

Fabio Mugnaini is a financial advisor with OSAIC who holds a Series 66 designation and has seven years of industry experience. His past roles include positions at Royal Alliance Associates, Transamerica Capital, JPMorgan Securities, JPMorgan Chase Bank, Wells Fargo, and Achieva Credit Union. He is also involved with Tata Consultancy Services, providing back office operations support for Transamerica’s variable product business. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing various tools and third-party resources to construct diversified portfolios across asset classes.

Michelle Oliver is a financial advisor at Edward Jones in Lakeland, FL, holding a Series 66 designation with one year of experience at the firm. Prior to joining Edward Jones, she worked for Publix Super Markets for 28 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Timothy Conti is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 33 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously spent 25 years with MetLife Securities and Metropolitan Life Insurance Company. Outside of advising, he is involved in life and health insurance sales and manages a commercial real estate business. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering asset management, wrap programs, and educational seminars.

Joseph Fessler is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He joined the firm in 1984 at the regional operations center in Farmington Hills, Michigan. Over the course of his career, Joseph transitioned from operations management — including serving as operations manager for the Vero Beach, Florida complex — to financial advisory in 1994. He draws upon decades of experience within the firm to provide clients with comprehensive access to the firm’s resources, products, and services. Joseph holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is a member of the Financial Planning Association. He also carries the Personal Investment Advisor (PIA) designation. His client focus areas include family wealth management strategies, legacy planning, retirement planning, philanthropic planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. A longtime member of the Vero Beach community, Joseph is a former president of the Exchange Club of Indian River County. He resides in Vero Beach with his wife, Tammy, and has two daughters, Lauren and Kristen. His personal interests include golfing, hiking, music, reading, skiing, and spending time with his family.

George May IV is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 designations and was previously with FSC Securities for 18 years. He serves as a board member of the Brandon Community Advantage Center, a nonprofit facility serving the local community. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of financial advisers and multiple advisory platforms, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Michael Plunkett is a CFP® with 14 years of industry experience and has been with Edward Jones since 2011. He is based in Lakeland, FL, and holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of over 23,000 financial advisors and $1.01 trillion in assets under management.