Lauren Duran is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 designations and three years of industry experience. Her prior work includes roles at Kelly Services and educational institutions such as the University of Central Florida and Calhoun Community College. Outside of financial advising, she owns Mindfully Tutoring, a private tutoring program based in Orlando. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-driven strategies and separately managed account options primarily for individual and high-net-worth clients under a wrap-fee structure. The firm employs third-party asset managers overseen by an independent due-diligence consultant and uses BNY Mellon Advisors for model implementation.

Roger Hyde is a financial advisor at LPL Financial with 47 years of industry experience. He holds a Series 63 designation and has previously worked at American Wealth Management, Inc. for 15 years and Raymond James Financial Services, Inc. for 10 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory strategies through a large network of investment adviser representatives.

Michael Williams is a financial advisor with LPL Financial, holding a Series 66 designation and 29 years of industry experience. He previously worked at Invest Financial Corp. and Transamerica Financial Advisors, with nearly a decade at each firm. Outside of advisory services, he is also an insurance agent specializing in permanent life, term life, and long-term care insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a broad range of advisory and brokerage services, including access to model portfolios, third-party asset managers, and institutional platforms.

Paul Elliott is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 13 years of industry experience. He previously worked at Edward Jones for 12 years before joining Raymond James in 2024. Elliott is also the owner of Iron Rock Wealth Management. 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, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using risk profiling and modeling tools, and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Clement Thompson is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. He previously worked at Popular Community Bank and has been with Merrill since 2017, currently also associated with Bank of America. Outside of his advisory role, he owns a business that sells memorabilia and collectibles via online marketplaces. 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, offering both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Michael Quattrochi is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and has previously worked at Raymond James & Associates and Securities America Advisors. Quattrochi serves as a community advisory council member for HCA Florida Trinity Hospital and is involved in managing financial planning and client services through partnerships under the Cornerstone Wealth brand. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs model-based asset allocation and portfolio optimization, offering a range of brokerage and advisory services through a multi-advisor platform.

Ronald Robertson is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1985. Outside of advising, he is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients with a model-driven investment approach. The firm operates at scale with thousands of advisors and offices and manages approximately $15.5 billion in assets.

Kyle Griffith is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and six years of industry experience. His prior roles include positions at BlackRock Investments and Electric AI. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery processes and firm-approved tools.

Kevin Smith is a financial advisor at Cetera with 32 years of industry experience. He holds a Series 63 designation and has worked at firms including First Allied Advisory Services and Cetera in various capacities since 1998. In addition to his advisory role, he owns Pathway Associates Inc., a tax preparation and accounting business, and is president of Smith Wealth Management. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with various program structures and investment options.

Jean Paul Clark is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following a prior role at Banc of America Investment Services, Inc. from 2004 to 2007. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, including pension and charitable organizations. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and other sources.

Tess Zigo is a CFP® certificant with 11 years of industry experience, currently with LPL Financial since 2021. Her prior roles include positions at Valerie Janke and the Financial Planning Association of Illinois. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kaleigh Hicks is a financial advisor at Raymond James Financial with Series 63 and Series 65 credentials and four years of industry experience. She has held roles at firms including Morgan Stanley and E*TRADE Securities LLC. Hicks is also an associate at CN Wealth Management/Keybridge Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a wide network of advisors with specialized municipal and public-finance capabilities.

Frank Manzo is a Series 66-licensed financial advisor at Cetera with six years of industry experience. His career includes roles at JP Morgan Chase Bank, Merrill, and Regions Bank, among others. Manzo’s background also includes work in automotive sales prior to entering financial services. Cetera Investment Advisers LLC is an SEC-registered firm serving a large nationwide network of independent advisors and their clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.

Linda Cliborne is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 30 years of experience providing financial and wealth preservation strategies. Linda and her team focus on helping employers design and implement 403b and 401k plans, offering support related to fiduciary best practices, plan design, and participant education. They also work with individuals to develop wealth management strategies, including investment advice and wealth transfer planning for multigenerational families. The Cliborne Winkler & Associates team manages approximately $560 million in assets and serves over 100 employer-sponsored retirement plan clients as of August 29, 2023. Linda is a qualified Portfolio Manager who builds and manages personalized investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. She has earned several professional designations, including Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA®), Chartered Retirement Planning Counselor (CRPC™), Chartered Retirement Plans Specialist (CRPS™), and Retirement Benefits Consultant (RBC). She holds a Bachelor of Science degree in Finance from Virginia Polytechnic Institute & State University's Pamplin College of Business. Linda resides in Tarpon Springs, Florida with her husband and two children. She is actively involved in community organizations such as the American Heart Association's Circle of Red, Habitat for Humanity of Pinellas and West Coast Counties, and the YMCA of the Suncoast. Outside of work, her interests include boating, photography, biking, and spending time with her family.

Isramil Pichardo is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and having 18 years of industry experience. He has been with Primerica Advisors since 2011 and has worked at Primerica Financial Services since 2005. In addition to his advisory role, he owns The Purpose Group, LLC, an entity formed for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm provides advisory services through a large network of advisors and utilizes model-delivery strategies managed by unaffiliated asset managers, with discretionary separately managed account options and custodial support from Pershing.

Melanie Morrow is a Financial Consultant at Fidelity Investments. In her role, she partners with clients to co-create and implement financial plans tailored to their individual needs and preferences. She works with her team to help clients navigate their financial plans through retirement and life changes. Melanie's professional experience includes various positions at Fidelity Investments, starting as a Financial Representative in 2019, progressing to Relationship Manager in 2020, Investment Consultant in 2023, and currently serving as a Financial Consultant since 2025. Prior to joining Fidelity, she worked as a Financial Advisor and participated in the Advisor Mastery Program at Raymond James from 2018 to 2019.

Brandt Zimmerly is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked with PFS Investments Inc. since 2011 and with Primerica Financial Services since 2009. Outside of his advisory role, he owns Zimmerly and Associates, LLC, which operates for Primerica business purposes, and is involved with Team HSTL, a non-investment-related venture. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options within a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors while using Pershing and Primerica Brokerage Services for custody and trade execution.

Isaac Voltoline is a financial advisor with Charles Schwab, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Schwab, he worked at the City of St. Petersburg and Haddad Dealerships, and has been involved with ModernTetra since 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary investment recommendations and access to affiliated discretionary SMA portfolios, alongside custody and brokerage services.

Taylor Mc Dermott is a CFP® and holds a Series 66 license with 13 years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc., where he has worked since 2021, following five years at Wells Fargo Clearing. Outside of his advisory role, Mc Dermott serves as a trustee for a family irrevocable trust. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and supports advisory programs across a large network, with specialized services that include municipal and public-finance advisory work.

Todd Basler is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has been with PFS Investments Inc. since 1994 and with Primerica Financial Services since 1993. Basler is also involved in several business ventures, including ownership of Basler Group LLC, a Primerica-affiliated investment entity. Primerica Advisors sponsors 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 entities. The firm uses model-delivery strategies managed by third-party asset managers and provides advisory services through a large network of advisors.