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.

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.

Ronald Wheeles is a financial advisor with Edward Jones in Brooksville, FL, holding Series 63 and Series 66 licenses and 29 years of industry experience. He has been with Edward Jones since 1996. Outside of advising, he is a notary public authorized to officiate weddings and other ceremonies. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. It offers a range of advisory programs and investment solutions supported by a large national 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 with OSAIC who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He previously worked at SagePoint Financial from 2011 to 2023 before joining OSAIC in 2023. Outside of his advisory role, he serves as treasurer for the GlenLakes Men's Golf Association, a nonprofit organization. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk tolerance questionnaires, and automated rebalancing to construct portfolios that may include a range of investment products managed on either a discretionary or non-discretionary basis.

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 with OSAIC and holds a Series 66 designation. He has six years of industry experience and previously worked at Sagepoint Financial, Inc. and Walgreens. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios that may include various investment types and can be managed on a discretionary or non-discretionary basis.

David Korte is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services through a non-discretionary program supported by in-house due diligence and ESG eligibility processes.

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 Series 66-registered advisor with J.P. Morgan Securities, based in Brooksville, FL, and has four years of industry experience. She has worked at J.P. Morgan Securities and Jpmorgan Chase Bank since 2021, and previously spent ten years with Onemain General Services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the larger J.P. Morgan organization and offers access to a diverse range of products and strategies through its Institutional Consulting Services program.

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.

Matthew Fernandez is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 14 years of industry experience. He has been with Raymond James & Associates in various roles since 2011. Fernandez serves as Treasurer and a board member of Lighthouse for the Blind and Low Vision, where he participates in financial and investment discussions. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and charitable organizations. The firm offers financial planning, investment consulting, and institutional fiduciary services, employing a range of portfolio management styles and proprietary research.

Brian Karahalios is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Florida Premier FC, PNC Investments, and BBVA Securities. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal clients, offering financial planning, investment consulting, and municipal advisory services through a broad national adviser network.

Steve Silver is a financial advisor at Fidelity with 31 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at Morgan Stanley, Charles Schwab, and Wells Fargo. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary research with quantitative analysis and systematic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios built from mutual funds, ETFs, and ETPs.

Giovanni Ramirez Congiusto is a financial advisor at LPL Financial with eight years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2022. His prior experience includes roles at CUNA Brokerage Services and Suncoast Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing multiple portfolio strategies and advisor support tools.

Scott Pugan is a CFP® with 39 years of experience in the financial services industry. He is currently with Raymond James & Associates and has held prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. His career includes over seven years at Wells Fargo Clearing and five years at A. G. Edwards. 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, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.