Steve Tonello is a financial advisor with LPL Financial based in Tampa, FL, holding Series 63 and Series 65 credentials and two years of industry experience. His prior work includes roles at Morgan Stanley and E*TRADE Securities LLC, as well as employment at the University of South Florida. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, and supports its advisors with various operational and research tools.

Scott Nightingale is a financial advisor with Merrill in Tampa, FL, holding a Series 66 credential and seven years of industry experience. He has been with Merrill and Bank of America since 2013. Outside of his advisory role, he occasionally sells and trades items on eBay to generate profit. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stacy Obney is a financial advisor at Osaic with 19 years of industry experience. She holds Series 63 and Series 66 designations. Her prior roles include positions at Morgan Stanley Private Bank and T. Rowe Price Investment Services. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach with a variety of advisory and brokerage services delivered through a multi-advisor platform.

Darren Brewis is a financial advisor with OSAIC Wealth, Inc. in Tampa, FL, holding Series 65 and Series 66 licenses and bringing 30 years of industry experience. Prior to joining OSAIC in 2018, he worked for Signator Investors, Inc. for 23 years. Outside of his advisory role, he is owner and president of Platinum Financial Network LLC, a business involved in securities, investment advisory, and insurance services. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supporting both discretionary and advisor-managed strategies.

Robert Markovetz Jr. is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at Training Technologies and Support and Logistics & Technology Services. He is involved in sales of investment-related products and receives compensation for referrals connected to home security and automation services. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports account custody through Pershing, with approximately $15.5 billion in assets under management.

Hope Clough is a financial advisor with LPL Financial in Tampa, FL, holding a Series 66 designation and 20 years of industry experience. Prior to joining LPL Financial in 2022, she worked for CUNA Brokerage Services, Inc. for 17 years and has also served as a consultant for Suncoast Schools FCU since 1999. 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 portfolios, third-party asset management, and institutional platforms.

Carlos Moisa is a financial advisor with LPL Financial in Tampa, FL, holding a Series 66 designation and 18 years of industry experience. His prior firms include VALIC Financial Advisors, Merrill, Equitable Advisors, and Agia. Outside of his advisory role, he is also involved with Agia as an agent offering non-securities insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

James Ciocia is a financial advisor at Cetera with 38 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at National Securities Corporation and Gilman & Ciocia Inc. in various roles spanning over four decades. Outside of his advisory work, he owns and operates Generations Tax & Wealth Management, a CPA and wealth management firm, and serves as an insurance agent for Universal Financial Consultants, focusing on fixed life insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Keith Harvey is a CFP® professional with 36 years of industry experience, currently serving at Thrivent Investment Management since 2002. Based in Tampa, FL, he has worked exclusively with Thrivent Financial for Lutherans throughout his career. Outside of his advisory role, he manages personal rental properties. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of Financial Advisors. Their planning approach covers a broad range of financial topics, offering holistic, goal-based analyses and allowing clients to combine planning with managed-account programs under consolidated billing.

Andrew Whitmore is a CFP® professional with 31 years of experience in the financial services industry. He has been with Ameriprise since 2009 and currently manages his practice through a legal entity he established for administrative purposes. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, providing detailed written recommendations that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

Gopal Sharma is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Prior to joining OSAIC in 2024, he worked at Woodbury Financial Services, Inc. and Questar Capital. Sharma also operates a sole proprietorship providing tax and accounting services and runs a corporation focused on life, health, and disability insurance sales. OSAIC Wealth serves a diverse clientele, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach with a wide range of advisory and brokerage services delivered through a multi-advisor platform.

Nickeel Kanji is a financial advisor at Fidelity with five years of industry experience and holds the Series 66 designation. Prior to joining Fidelity, he worked at Merrill and Phelps Dunbar LLP and has a background that includes roles at the University of Central Florida. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a diverse range of funds and model portfolios.

Cassandra Rigney is a financial advisor with Primerica Advisors in Land O Lakes, FL, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Primerica, she worked in various roles including at Turo and the USA Census Bureau. Outside of her advisory work, she also drives for Lyft on a part-time basis. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients within a wrap-fee structure.

Rufus Hawkins II is a financial advisor with LPL Financial in Tampa, FL, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include positions at Suncoast Credit Union, CUNA Brokerage Services, Edward Jones, and Fifth Third Securities. Hawkins is also actively involved with Suncoast Credit Union in an advisory capacity. 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, third-party asset management, and institutional platforms.

Zehra Candler is a financial advisor with LPL Financial in Tampa, FL, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. Her prior roles include positions at USAA Financial Advisors and Watson Capital Management. She is also involved with Candler Wealth Management, a business entity related to tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a broad advisory platform. The firm offers diverse financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Jodi Perez is a CFP® professional affiliated with Raymond James Financial Services Advisors, Inc. She has 40 years of industry experience and has held roles at multiple financial firms since 2012. Perez is also a partner in Holliday/Perez, LLC, which owns the office building where her practice is located. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary planning and supports a broad advisor network, with specialized municipal and public finance services.

Alexis Reyes is a financial advisor at Merrill with Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining Merrill, Reyes worked at Bank of America, E*TRADE Securities, Morgan Stanley Smith Barney, JPMorgan Securities, JPMorgan Chase Bank, TD Bank, and Capital Communication Federal Credit Union. Outside of advisory roles, Reyes is a general partner and managing member of La Liga Sports Agency LLC, which focuses on developing and supporting underprivileged youth and young adult sports athletes through skill development, training academies, community leagues, and player representation. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Coviello is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes positions at Morgan Stanley and T. Rowe Price. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios across mutual funds, ETFs, and ETPs, and has a formal advisory role to multiple registered investment companies and fund-of-funds.

Tyler Thomas is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior work includes positions at The Vanguard Group, Inc. and Morgan Stanley. Fidelity’s affiliate, Strategic Advisers LLC, offers investment management and advisory services to retail and institutional clients, emphasizing a systematic investment process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its advisory role to multiple registered investment companies and use of advanced technologies such as AI in its research.

Sean Devine is a financial advisor at Osaic Wealth Inc with over six years of experience in the industry. He holds the Series 66 designation and has worked at firms including Fidelity Investments, Morgan Stanley, Wells Fargo, and Tapfin/EY. Osaic Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through multiple programs. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by a combination of proprietary models and third-party managers.