Elizabeth Umstead is a financial advisor at Edward Jones with five years of industry experience. She holds a Series 66 designation and has previously worked at Kennedy Wealth Management, First Command Advisory Services, and Access Health Care Physicians, LLC. Outside of her advisory work, she is involved as a co-trustee of the Michael (Roberts) and Elizabeth Umstead Family Trust and participates in direct marketing through Amway. Edward Jones is a full-service wealth management firm serving a wide range of clients, including individual and institutional investors. The firm offers various investment strategies and advisory services supported by a large nationwide network of financial advisors and branch offices.

William Gardner is a financial advisor with LPL Financial based in Spring Hill, FL, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. Prior to joining LPL Financial in 2024, he worked at firms including Securities America and KMS Financial Services. He is involved in tax preparation and accounting through Advisors Tax Prep LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives using a range of discretionary and non-discretionary strategies.

Karen Relyea is a financial advisor with Raymond James & Associates in Spring Hill, FL, holding a Series 63 license and 20 years of industry experience. She previously worked at Wells Fargo Clearing from 2011 to 2013 and again from 2016 to 2023. 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 and pension plans, charitable organizations, and municipal entities, offering financial planning and consulting services supported by a broad range of portfolio management strategies.

Russell Brander is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been a financial advisor since 1996, specializing in personal retirement planning, individual and corporate investment strategy, and retirement income. Russell holds a Bachelor's Degree from Bucknell University and a Master's Degree from Florida Metropolitan University. He is certified as a CERTIFIED FINANCIAL PLANNER (CFP) and is a Personal Investment Advisor (PIA). His approach focuses on developing personalized financial plans that consider clients’ unique ambitions and priorities, including funding education, planning for retirement and healthcare costs, and achieving long-term family goals. Outside of his professional work, Russell enjoys biking, boating, golfing, and traveling.

Carol Mcelroy is a Series 66-licensed financial advisor with Raymond James Financial Services Advisors, Inc., where she has worked since 2002, accumulating 25 years of industry experience. She is also the owner and officer of West Coast Financial Management Inc., a pass-through corporation associated with her practice. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs a non-discretionary, tailored approach using analytical tools and supports municipal advisory and specialized retirement plan services.

Ronald Wheeles is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has been with Edward Jones since 1996. Outside of his advisory role, he serves as a notary public officiating weddings and other ceremonies. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Scott Charboneau is a financial advisor with LPL Financial, holding a Series 66 designation and 21 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2024 before joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Hope Duryea is a financial advisor with Ameriprise in Spring Hill, FL, holding a Series 66 designation and bringing 26 years of industry experience. She has been with Ameriprise and its related entities since 2005. Outside of her advisory role, she serves as the Chairwoman for Hernando County District 38, where she promotes voting within her district. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and annual retirement income planning focused on dependable income and tax-aware withdrawal strategies.

Matthew Stegman is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at SagePoint Financial from 2011 to 2023. Outside of his advisory role, he serves as treasurer for the GlenLakes Men's Golf Association, a nonprofit organization in Weeki Wachee, FL. OSAIC Wealth serves a diverse client base, including retail investors, high-net-worth households, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment approach and a multi-advisor platform.

Timothy Martin is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works directly with clients to identify their financial goals and develop customized portfolio strategies aimed at achieving these objectives. He provides ongoing advisory services, adapting investment plans as clients' personal and financial situations evolve. He brings expertise in areas including family wealth management, managing new wealth, personal retirement planning, small business strategies, sports and entertainment financial matters, tax minimization, and retirement income planning. Timothy holds several professional designations, including Accredited Wealth Management Advisor (AWMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Timothy earned a Bachelor's Degree from Full Sail University. Outside of his professional work, he enjoys golfing, photography, pickleball, spending time with his family, and traveling.

Keith Forrest is a financial advisor with LPL Financial in Spring Hill, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Summit Brokerage Services Inc, Summit Financial Group Inc, and Ameriprise Advisor Services, Inc. Forrest is involved in additional activities related to investment services and non-variable insurance through separate business entities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a large network of investment adviser representatives.

Sean Steele is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and previously worked at Sagepoint Financial, Inc. and Walgreens. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporations. The firm offers a multi-advisor platform with brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization supported by comprehensive tools and multiple custodial arrangements.

Louis Mitchell is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Valic Financial Advisors and USAA Financial Planning Services. His outside activities include involvement in non-variable insurance sales in addition to his advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services supported by technology tools and a broad platform that combines advisory and non-advisory financial products.

David Korte is a financial advisor with J.P. Morgan Securities in Brooksville, FL, holding Series 63 and Series 65 designations and 26 years of industry experience. He has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012, following prior roles at Chase Investment Services Corp., Banc One Securities Corporation, Raymond James Financial Services, Inc., and Ameriprise. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors. Their program emphasizes non-discretionary written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and incorporating quantitative and qualitative research.

Judy Armstrong is a financial advisor with LPL Financial based in Brooksville, FL. She holds Series 63 and Series 65 credentials and has 16 years of industry experience. Prior to joining LPL Financial in 2018, she worked at Invest Financial Corporation and Principal Financial Services. Outside of her financial advisory work, Armstrong is involved with Toastmasters International as a volunteer and owns Lipton Design. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management options delivered through a large network of investment adviser representatives.

Brenda Marshall is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities and Jpmorgan Chase Bank since 2021. Prior to this, she spent ten years with Onemain General Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary program emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Milton Caraway is a financial advisor at Edward Jones with 14 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Outside of his financial advisory role, he is involved in raising cattle as a hobby. 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, operating under a fiduciary standard and supported by a large nationwide network of financial advisors and branch offices.

Javier Pascual Imbert is a financial advisor with Cetera based in Springhill, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Cetera and affiliated entities since 2018 and previously worked at Aegis Capital Corp from 2013 to 2017. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and consulting services, supported by a large network of independent advisors and over $256 billion in assets under management.

Amy May Richards is a financial advisor with UBS Financial Services in Weeki Wachee, Florida. She holds Series 63 and Series 65 designations and has 25 years of industry experience. Prior to joining UBS in 2018, she worked at Ameriprise Financial Services from 2016 to 2018. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor investment plans according to clients’ goals and risk tolerances.

Dana Stegman is a financial advisor at Edward Jones with 31 years of industry experience. He has held Series 63 and Series 66 licenses and has been with Edward Jones since 1993. Based in Weeki Wachee, FL, his long tenure at the firm reflects a stable career in wealth management. 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 operates through a large network of financial advisors and branch offices, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.