Joshua Gray is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. His background includes various roles prior to joining Fidelity, including positions at Towne Park and the University of Florida. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.

Madison Frank is a Series 66-licensed financial advisor with Raymond James & Associates in Clearwater, FL. Madison has no prior industry experience but has held various roles outside finance, including involvement with the Black Crow Coffee Company and previous positions in education. 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, and municipal entities, offering tailored financial planning and consulting services that are generally non-discretionary, supported by a broad range of portfolio management styles and affiliated research.

Alex Muscati III is a financial advisor at Morgan Stanley with 31 years of industry experience. He has held positions at Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved with XELA Ventures, LLC, an entity established for real estate development purposes. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs and tailored financial planning supported by firm-approved tools and investment committee inputs.

Kyle Maddock is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and five years of industry experience. His work history includes roles at Fidelity Investments and LPS Capital LLC. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model solutions.

Justin Cole is a CFP® professional with 24 years of industry experience, currently serving at Charles Schwab since 2017. His prior roles include positions at J.M. Cole and Associates, LLC, Jonathan Roberts Advisory Group, Inc., and J.W. Cole Financial. He also manages a rental property outside of his advisory work. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investments supported by centralized operational and custodial resources.

Michael Bombara is a financial advisor at Fidelity with 28 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at various Fidelity entities since 2001, with a brief tenure at Lincoln Financial Distributors. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction.

Casey Cobb is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, utilizing structured discovery and firm-approved tools to support client decision-making.

Patricia Tippin is a financial advisor at Cetera with a Series 66 designation and three years of industry experience. She has worked at Cetera and Cetera Investment Services LLC since 2022 and 2023, respectively, and has over two decades of experience at Regions Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Steven Nordbeck is a CFP® professional with 39 years of industry experience, currently serving at Cetera Investment Advisors LLC since 2014. He also has a 20-year tenure at Achieva Credit Union. Outside of his advisory roles, he co-owns an equestrian boarding and training business with his spouse. Cetera Investment Advisors LLC is an SEC-registered firm that provides portfolio management, financial planning, and retirement services to a wide range of clients including individuals, employer-sponsored plans, corporations, and institutions. The firm operates a multi-manager platform, offering advisors various program options and access to third-party managers.

Samuel Rockwell is a financial advisor with Raymond James & Associates, holding a Series 66 designation and seven years of industry experience. Prior to joining Raymond James in 2019, he worked six years at Tech Data. He serves as an executive committee member of the Chi Chi Rodriguez Youth Foundation in Clearwater, FL. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Michael Stryczny is a financial advisor with LPL Financial, holding a Series 63 designation and 35 years of industry experience. His prior roles include positions at American Wealth Management, Inc., Raymond James Financial Services, Inc., and UBS Financial Services. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, utilizing a wide range of advisory strategies supported by technology tools.

Amanda Miller is a Series 65-licensed financial advisor with 17 years of industry experience. She is currently with LPL Financial and has previously worked at Agia and Valic Financial Advisors. Amanda also serves as a notary. 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 supported by proprietary research and technology, serving a broad network of over 22,800 advisors.

Stephen Katsarelis is a Managing Director and Senior Financial Advisor with Merrill Lynch Wealth Management. With over 25 years of experience at the firm, he specializes in organizing and simplifying clients' financial lives to help them focus on their true passions. Stephen’s approach emphasizes clear, jargon-free communication and personalized wealth management strategies tailored to each client's long-term goals. His expertise covers a wide range of client needs including college education planning, divorce transition planning, legacy planning, retirement income, tax minimization, portfolio management, and women and wealth. Stephen holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations and has earned a Master’s degree from the University System of Maryland as well as a Bachelor’s degree from Eckerd College. Stephen participates actively in his community, volunteering with organizations such as Community Disaster Relief and Junior Achievement. Outside of work, he enjoys biking, boating, cooking, fishing, music, skiing, soccer, tennis, traveling, and spending time with his family.

Lukasz Jeczalik is a financial advisor at Fidelity with Series 65 and Series 63 licenses and one year of industry experience. His prior roles include positions at Morgan Stanley and Suncoast Credit Union. Fidelity's affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios across various investment vehicles.

Alex Zwolak is a financial advisor at Osaic with 11 years of industry experience. He holds a Series 66 designation and previously worked at Valic Financial Advisors for six years. Outside of advising, Zwolak prepares tax returns through Ogborn Accounting, LLC, and manages his own financial advising practice under the DBA Keystone Financial Group. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations, offering both brokerage and advisory services. The firm employs a model-based investment approach with portfolio optimization tools and provides access to multiple custodial platforms and alternative investments.

Noah Mcqueen is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 credentials and three years of industry experience. His background includes service in the U.S. Army from 2016 to 2025 and roles with PFS Investments Inc. and Primerica Financial Services. In addition to advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven strategies overseen by external asset managers. The firm operates at scale with approximately 3,700 advisors and $15.5 billion in assets under management.

Justin Ketcham is a CFP® certificant with eight years of experience in the financial industry. He has been with Edward Jones since 2018 and previously held positions at Dollar General, the Federal Reserve Bank of St. Louis, Bull-or-Bear Finance, and Dot Foods, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a large nationwide network of financial advisors and branch offices. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated investment products, operating under a fiduciary standard.

Patrick Petkovich is a financial advisor with Raymond James Financial in Tampa, FL, holding Series 63, 65, and 66 licenses and bringing 31 years of industry experience. He has been with Raymond James Financial Services since 2001 and has operated Petkovich & Associates since 2011, where he serves as president and sole director. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized municipal and public finance capabilities.

Kevin Nick is a financial advisor with Merrill in Clearwater, FL, holding a Series 66 designation and 11 years of industry experience. He has worked at Merrill since 2014 and at Bank of America, N.A. since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Peter Billingham is a financial advisor with Cetera who holds a Series 63 designation and has 38 years of industry experience. He has worked across multiple firms including Avantax and operates his own businesses providing tax preparation, accounting services, and insurance sales. Billingham also has experience in managing client relationships and supervising office operations through his ownership of Billingham Capital Management Group Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients from individuals to institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party managers.