Christopher Johnson is a financial advisor with Raymond James & Associates, holding a Series 66 designation and seven years of industry experience. He has worked at various Raymond James entities since 2017 and previously had roles at Busch Gardens and Lowry Park Zoo. 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 and investment consulting with a range of portfolio management styles and provides specialized municipal advisory services alongside its extensive affiliate network.

John Mcnulty is a CFP® professional with 24 years of experience in the financial industry. He joined Cetera in 2025 following a 23-year tenure at Avantax Advisory Services and has operated McNulty & Associates since 1992, providing tax, accounting, and business consulting services. Outside of financial advising, he serves as a board member for the Evanston Fourth of July Association. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, access to third-party managers, and a wide range of program structures supported by a large national network of advisors.

Elizabeth Herbst is a financial advisor with Raymond James & Associates who holds Series 63 and Series 65 licenses and has 39 years of industry experience. She worked at UBS Financial Services for 29 years before joining Raymond James in 2018. Raymond James & Associates, Inc. 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 clients, and charitable organizations, offering financial planning and consulting services with a primarily non-discretionary approach supported by a wide range of portfolio management styles and affiliated research.

Heather Penrod is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Sandy Morris Financial & Estate Planning Services. Outside of advising, she assists with tax filing and bank account reconciliation for Penrod's Allstar Drywall & More LLC, a business owned by her husband. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm offers financial planning and investment consulting through a variety of portfolio management styles and provides municipal advisory services as well as specialized programs for small employers.

Ted Soltys Jr. is a financial advisor with Equitable Advisors in Saint Petersburg, FL, holding Series 63 and Series 65 credentials and 42 years of industry experience. He has been with Equitable Advisors since 1999, previously associated with Axa Advisors. Outside of his advisory role, he serves as executor and power of attorney for his parents' living trust and as co-trustee for his wife's trust. 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 various third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage channels and emphasizes tailored client service based on documented goals and risk tolerance.

Andrew Parks is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. His work background includes roles at Osaic Wealth, 21st Century Financial, Marriott, and Ken Stewarts Grille. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and investment advisory services, financial planning, and access to multiple advisory platforms. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management.

Joanna Bever is a Series 65–licensed financial advisor with 15 years of industry experience, currently serving at Raymond James Financial. She has been with various Raymond James entities since 2011. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, and institutions. The firm uses tailored, non-discretionary planning and risk analysis tools to support client goals and offers specialized programs such as municipal advising and SIMPLE IRA Employer Advisory services.

Charles Thompson is a financial advisor at LPL Financial with 18 years of industry experience and holds the Series 66 designation. He has been with LPL Financial since 2014. 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 a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research, model portfolios, and various investment strategies.

Carlos Munozlucas is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. He has been with Raymond James & Associates since 2016. Munozlucas serves as Chair of the Investment Committee and is a member of both the Board of Trustees and Finance Committees at Associated Catholic Charities, Inc. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting, utilizing various portfolio management styles and affiliated research resources.

Brian Rumbles is a financial advisor at LPL Financial with nine years of industry experience. He holds a Series 66 designation and has previously worked at Ameriprise Financial Services and Cuso Financial Services, LP. He is also involved with Grow Financial Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, credit unions, and corporations. The firm offers a range of financial planning and advisory programs, utilizing model portfolios and research, and provides both discretionary and non-discretionary management services.

Matthew Weber is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His career includes prior roles at Calton & Associates, C&D General Services, and Stephens Inc. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary consulting, and institutional fiduciary services supported by a range of portfolio management styles and affiliated research.

Derek Jancisin is a Private Wealth Advisor at Merrill Private Wealth Management, where he leads a multigenerational team specializing in institutional-level wealth management for individuals, families, and organizations with complex financial needs. His practice focuses on areas including corporate executive services, executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, philanthropic planning, small business strategies, and tax minimization. Derek began his career at Merrill in 2010, working alongside his father and mentor. He developed a focus on simplifying complex financial situations, particularly in helping clients navigate major life transitions like business succession and legacy planning. In addition to his practical experience, Derek holds numerous professional designations, including Certified Financial Planner (CFP®), Chartered Financial Consultant (ChFC®), Certified Exit Planning Advisor (CEPA®), Certified Private Wealth Advisor (CPWA®), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA™), among others. He earned a Bachelor's degree from Columbia University, where he also played varsity football. Outside of his professional activities, Derek volunteers as a mentor for athletes emerging from the university setting. His personal interests include adventure sports, football, golfing, music, reading, skiing, spending time with family, traveling, watching movies, and yoga.

Eric Gates is a financial advisor with Raymond James & Associates holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Raymond James, he worked at several companies including Saanroo and ProjectMark. 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 through various specialized programs and affiliated research resources.

Anna Manning is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She has worked at Raymond James since 2016 and has also been involved with SumRidge Partners LLC and her own advisory firm, Anna Manning, LLC. Additionally, she works as a sales agent with Keller Williams Tampa Properties. 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, offering financial planning, non-discretionary investment consulting, and institutional advisory services supported by extensive research and a variety of portfolio management styles.

Ryan Hoge is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 66 and Series 63 licenses and seven years of industry experience. His prior roles include positions at Carillon Fund Distributors, Inc. and Franklin Templeton Distributors Inc. 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 financial planning, investment consulting, and institutional fiduciary services through a broad platform supported by extensive research and model management options.

Thomas Gargiulo Jr. is a financial advisor at Cetera with 36 years of industry experience. He holds a Series 63 designation and has worked at Cetera and its related entities since 1999. Outside of his advisory role, he serves as president of National Income Tax Accounting & Insurance Services, Inc., where he provides accounting services, prepares tax returns, and manages accounting software sales and support. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services delivered via a multi-manager platform that includes affiliated and third-party managers, with program options ranging from automated allocations to bespoke strategies.

Benjamin Runnells is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked at Raymond James and its affiliated entities since 2018 and previously spent five years at USAA Financial Advisors, Inc. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional and pension plans, and charitable organizations, offering financial planning and advisory services that emphasize tailored, non-discretionary strategies supported by proprietary research and a broad affiliate ecosystem.

James Forsman Jr. Jr. is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Forsman serves clients in St. Petersburg, Florida, and has a successor role related to an estate in Seminole, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning and manages approximately $2.74 trillion in client assets.

Andrea Osbourn is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds a Series 66 designation and has been with Raymond James & Associates since 2006. Outside of her advisory role, she is listed as a partner in a small business owned by her husband, although she does not have active responsibilities in that business. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering tailored financial planning and consulting services with a range of portfolio management styles and affiliated research resources.

Kristin Smith is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has been with Raymond James & Associates for 29 years. Outside of her advisory role, she serves as a board member and investment committee member for the Suncoast Center for Community Mental Health. 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 municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.