Richard Chojnacki is a financial advisor at Robert W. Baird & Co. with 22 years of industry experience. He holds the Series 66 designation and has worked at Robert W. Baird & Co. since 2018, following prior roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides customized consulting and portfolio services, including financial planning and discretionary management, utilizing a range of investment strategies and both in-house and third-party managers.

Andrew Garbarini is the Vice President and Branch Leader at Fidelity Investments. He leads a team of associates who collaborate with clients to understand their unique situations and develop personalized financial plans. His professional experience includes serving as Vice President and Platinum Services Manager at Morgan Stanley from 2023 to 2025, and as Vice President and Branch Manager at E*TRADE from 2013 to 2023. outside of his professional role, Andrew has interests in baseball, cooking and baking, fishing, military service, parenthood, and volunteering.

Richard Godfrey is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has been with Cambridge Investment Research Advisors since 2020 and has prior experience at several firms, including CCF Investments and Ameritas Investment Corp. Godfrey is also an independent insurance agent and a member of the SmartVestor Council. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Michael Palen is a financial advisor with LPL Financial in Bradenton, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior experience includes over a decade at Cetera Advisor Networks LLC and self-employment in financial services since 1975. Outside of advisory work, he is involved in tax preparation and accounting through Palco Financial Services, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management across a variety of investment strategies.

Christopher Pinckney is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2008 and holds the CERTIFIED FINANCIAL PLANNER™ certification, the Chartered Retirement Planning Counselor designation, and the Personal Investment Advisor credential. Christopher earned both his Bachelor's and Master's degrees from St. John Fisher College. He focuses on areas including college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, retirement income, and women and wealth. A native of Rochester, NY, Christopher currently resides in Sarasota. He is active in his community, serving on the boards of Girls Inc. of Sarasota and the Paradise Resource Center. Outside of work, he is an Ironman triathlete, marathon runner, skier, and enjoys activities such as basketball, biking, boating, fishing, football, music, running, and spending time with his family.

John Bordages is a financial advisor with Morgan Stanley in Sarasota, FL, holding a Series 66 designation and 20 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory work, he serves as the executor for the Estate of James Bartley. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process and a variety of investment programs without providing individual security recommendations as part of its standalone planning services.

John Murphy IV is a CFP® professional with 27 years of experience in financial advising, currently with Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. He is also involved in a business ownership role with JVM Group, LLC, which supports his planning practice. Ameriprise provides a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, delivering tailored recommendation reports focused on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to produce these recommendations, serving a wide range of clients with advisory, brokerage, and insurance solutions.

Pamela Miller is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 33 years of industry experience. She worked at UBS Financial Services Inc. for nine years before joining Raymond James in 2018. Outside her advisory role, she is also a commissioned notary public in Sarasota, Florida. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, drawing on a range of portfolio management styles and affiliated research.

Mark Tobias is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets beginning in 1993. He is based in Long Boat Key, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market outlook models.

Robert Pesce is a financial advisor with Raymond James & Associates in Sarasota, FL, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services that leverage a range of portfolio management styles and affiliated research.

Jeffrey Layhew is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and over 33 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he has appeared as an extra in movies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services, offering both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Tanner Owens is a financial advisor at Morgan Stanley in Sarasota, FL, holding a Series 66 designation with three years of industry experience. His prior roles include positions at UBS Securities LLC, Rotech, Stones River Country Club, and Middle Tennessee State University. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers its services through both direct and corporate financial planning agreements.

Rebecca Fisher is a financial advisor at Cetera with 23 years of industry experience. She holds a Series 66 designation and has worked at Cetera and Cetera Investment Services LLC since 2014. Additionally, she has been associated with Achieva Credit Union since 1998. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and retirement services through a multi-manager platform, allowing advisors to implement model portfolios, select third-party managers, or create customized strategies.

Mary Carr is a financial advisor at Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses with 32 years of industry experience. She has worked at Morgan Stanley since 2010. Outside of her advisory role, she participates in personal sales with Avon and works as an employee selling nail products for Color Street. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside broad retail and institutional offerings.

Harry Pinkham is a CFP® professional with 33 years of industry experience, currently serving at Wells Fargo Advisors since 2022. He previously worked with Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he owns ESJ Investment Co, LLC, and is an agent with Capstan Insurance Consulting LLC. Wells Fargo Advisors is a large broker-dealer and registered investment adviser that offers comprehensive investment and financial planning services to individuals, trusts, and institutional clients, utilizing Wells Fargo’s research and planning tools to develop tailored recommendations.

Maura Guthrie is a CFP® professional with 24 years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2017 and was previously with UBS Financial Services Inc for nine years. Wells Fargo Advisors provides investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and delivers both brokerage and advisory solutions.

Randle Mc Swain is a CFP® and holds a Series 66 license with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory strategies and affiliated investment products supported by a large network of financial advisors and branch offices.

Jon Waggoner is a financial advisor with Equitable Advisors in Lakewood Ranch, FL, holding a Series 66 designation and 26 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors LLC, since 1999. Outside of his advisory role, he is the owner of Waggoner Holdings LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm utilizes a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to client goals and risk tolerance.

Charles Belluardo is a Senior Financial Advisor and a founding partner of The Beacon Group. With over 25 years as a licensed investment professional, he specializes in portfolio management, focusing on managing risk through technical analysis, portfolio hedging strategies, and portfolio management policy. He is dedicated to building long-term client relationships and delivering client service by aligning financial strategies with clients' goals and values. Charlie holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification as well as the Certified Plan Fiduciary Advisor (CPFA) designation. He also holds titles as a Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and in Sports & Entertainment (SE). He earned a High School Diploma from Southern Regional High School and attended Georgian Court College without obtaining a degree. Outside of his financial advisory role, Charlie has been a professional and amateur automobile racecar driver for over 15 years, competing across the U.S. and Canada. He has two children and has also raised two foster children. His personal interests include adventure sports, spending time with his family, traveling, and watching movies.

Robert Brameister is a Senior Financial Advisor with Merrill Lynch Wealth Management. With 27 years of experience as a financial advisor on the west coast of Florida, he focuses on helping clients prepare for their financial futures through goal-based planning. He works closely with clients to define essential, important, and aspirational goals, then formulates and annually reviews strategies designed to meet those goals in a prudent and responsible manner. Rob’s areas of expertise include personal retirement planning, portfolio management, legacy and family wealth management strategies, socially responsible and ESG investing, college education planning, and retirement income planning. He advises clients on a range of financial products to assist with capital growth, income production, long-term care insurance, and estate planning. As a fifth generation Floridian and 51-year resident of Manatee County, Rob is deeply connected to his community and alongside his wife Krista, actively supports local non-profit organizations. Rob earned his Personal Investment Advisor (PIA) designation and holds a High School Diploma from Southeast High School. Outside of his professional work, he enjoys spending time outdoors boating, fishing, camping, hiking, and attending local sporting events with his family.