Terry Rehfeldt is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Cetera since 2005 and also operates Rehfeldt Wealth Management and The Rehfeldt Group, where he provides tax and accounting services as a CPA. Rehfeldt serves as a board member of First Southern Bank and volunteers with the Manatee County Hundred Club, a nonprofit supporting law enforcement. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services. The firm operates a multi-manager platform with various program structures and custodial relationships, overseeing more than $256 billion in assets managed by over 10,000 advisors.

Michael Partee is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Cetera. His prior experience includes roles at Charles Schwab, USAA Financial Advisors, and Avantax Advisory Services. He is also involved with Aksala Wealth Advisors, where he markets financial planning and investment management services to retail investors and accounting firms. Cetera Investment Advisers LLC is a large SEC-registered firm that supports a nationwide network of over 10,000 independent advisors. The firm offers diversified portfolio management, financial planning, and retirement services to individual, corporate, and institutional clients through various program structures and affiliated managers.

Katie Guyton is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked with Fidelity Brokerage Services since 2017. Prior to her career in finance, she held positions in education and the restaurant industry. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary portfolio management as well as fund advisory services.

David Whaley is a financial advisor at Ameriprise with 30 years of industry experience. He holds a Series 63 designation and has worked with Ameriprise since 2018, previously working at Wells Fargo Advisors from 2009 to 2018. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Michael Vann is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has prior experience at BMO Harris Bank, Bank of America, Merrill, and BMO Bank. Outside of finance, he has experience managing franchise businesses in the food service industry. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research from various sources.

Jeffrey Lashway is a CFP® professional with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He holds Series 63 and Series 65 licenses and is based in Bradenton, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Edward Semmerling IV is a CFP® professional with 15 years of industry experience, currently serving at Edward Jones in Bradenton, FL since 2013. He holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients across a broad range of financial needs. The firm offers discretionary and non-discretionary investment strategies, including access to separately managed accounts and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Louise Mussell is a financial advisor with Merrill in Lakewood Ranch, FL, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Merrill since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Mantack is a financial advisor with Wells Fargo Clearing in Bradenton, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. He has been with Wells Fargo Clearing since 2018 and has worked at Wells Fargo Bank, N.A. since 2016. Outside of his advisory role, Mantack co-owns two businesses with his spouse, SYNCENTRICITY LLC and Trinity Care Management Solutions, LLC, overseeing finances for the latter. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven process is based on modern portfolio theory and includes a broader range of financial product offerings than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Karren Allen is a financial advisor with LPL Financial in Bradenton, Florida, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. Her prior work includes roles at Hornor, Townsend & Kent, LLC, and Lincoln Financial Securities Corporation. She also operates as a self-employed insurance agent under the name Firefighter Advisor, focusing on life, accident, health, disability, and long-term care insurance products. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, supported by model portfolios, third-party research, and advanced portfolio management technologies.

James Campbell Jr. is a financial advisor at Edward Jones with seven years of industry experience. He has been with Edward Jones since 2018 and was self-employed in commercial fishing for six years prior, managing five vessels and work crews in Cortez, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Brittany Stewart is a financial advisor at Edward Jones in Bradenton, FL, with 13 years of industry experience. She holds the CFP® designation and the Series 66 license and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a large network of financial advisors and offers a range of discretionary and non-discretionary investment strategies, along with affiliated mutual funds and tax-efficient services.

Shawn Kelly is a CFP®-certified financial advisor with over 40 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. He is based in Bradenton, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Lauren Johnson is a financial advisor at Edward Jones in Longboat Key, FL, holding a Series 66 designation. She has been with Edward Jones since 2025 and has prior experience working in education and technology sectors. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Paul Harris is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior roles include positions at Southern Trust Financial Planning, Inc. and Securities America Inc. He is also involved in independent insurance services through multiple agencies he owns. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, trusts, estates, and other retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals employing both proprietary and third-party strategies across various custodial platforms.

James Molinaro is a financial advisor with Morgan Stanley, holding Series 63, Series 65, and Series 66 designations and bringing 49 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley & Co., Incorporated, Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Joseph Kennedy Jr. is a financial advisor with Ameriprise in Palmetto, Florida, holding a Series 63 designation and 42 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Clearing. He serves on the board of the Crosthwait Memorial Fishing Tournament. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendations through a centralized consulting team.

Samantha Fernandez is a financial advisor with Raymond James Financial who holds a Series 66 credential and has 15 years of industry experience. She has worked at various divisions of Raymond James since 2011 and was with Frey Masterson Investment Advisors from 2023 to 2025. Fernandez serves as a board member on the finance committee of Gulf Coast JFCS, a nonprofit organization. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using comprehensive analytical tools and supports a broad advisor network along with specialized municipal and retirement advisory services.

Charles F. Elzer III is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He marked his thirtieth year as a financial advisor at Merrill Lynch in 2022, bringing extensive experience across multiple investment cycles and market environments. His professional focus includes college education planning, services for endowments and non-profits, legacy and philanthropic planning, retirement income, portfolio management, tax minimization, and managing new wealth. Mr. Elzer earned a Bachelor's degree in Business Administration with a minor in economics from Hofstra University. He holds the Personal Investment Advisor (PIA) designation. His community involvement encompasses serving on the board of trustees for the Just for Girls Foundation and the Tampa Chapter of Safari Club International, as well as participating on the Endowment Committee of his church. He has held leadership roles such as past president of the Manatee County Chapter of the Coastal Conservation Association and past president of Just for Girls, Inc. Additionally, he has supported the Manatee Opera Guild and served as a trustee for the Bishop Museum of Science and Nature. Outside of his professional and community commitments, Mr. Elzer enjoys adventure sports, fishing, gardening, hunting, scuba diving, reading, traveling, and spending time with family and their Labrador Retrievers.

Pamela Klug is a Series 66-licensed financial advisor at Ameriprise with 18 years of industry experience. She has been with Ameriprise and its affiliates since 2007. Outside of her advisory role, she is involved in fiduciary activities and serves as an executor. Ameriprise offers specialized retirement-income planning services aimed at clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.