David Retkowski is a financial advisor with Edward Jones in Estero, Florida, holding Series 63 and Series 65 credentials and possessing 27 years of industry experience. He has been with Edward Jones since 2009. 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 with a nationwide network of more than 23,700 advisors, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

Craig Freund is a CFP® professional with over 32 years of experience in the financial services industry. He has worked at LPL Financial since 2023 and previously held positions at SPC, Sigma Financial Corporation, Ameriprise Advisor Services, Inc., and Choreo, LLC. Outside of his advisory work, Freund is the owner of Open Ocean Charters, LLC, a business based in Port Aransas, Texas. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its network of investment adviser representatives with various financial planning and portfolio management solutions, combining scale and a broad array of financial services.

Timothy Murphy is a financial advisor with J.P. Morgan Securities in Sanibel, FL, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has worked at multiple firms including Merrill, Wells Fargo Clearing, and Bolton Securities Corporation prior to joining J.P. Morgan. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes ESG considerations, with implementation support from affiliated investment-management entities.

Wesley Gallegos is a financial advisor with Raymond James Financial, holding a Series 66 designation and 10 years of industry experience. He previously worked at Edward Jones for six years before joining Raymond James and managing Gallegos Wealth Management since 2022. Outside of advising, he is a partner responsible for managing his branch office. 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, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public finance work through a municipal advisor affiliation.

Bradley Jenson is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Raymond James Financial in Fort Myers, FL. He has been with Raymond James Financial and Raymond James Financial Services, Inc. since 2009. Outside of his advisory role, he is involved as a partner in Longevity Revolution Press, where he presents workshops and promotes book sales, and he has authored several books and contributed chapters on diverse topics. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm employs a non-discretionary, tailored approach to investment consulting that incorporates risk profiling and analytical modeling to support client goals.

Terrence Porter is a financial advisor with Ameriprise in Fort Myers, FL, holding Series 63, Series 65, and Series 66 credentials and bringing 23 years of industry experience. His previous roles include positions at Merrill, Bank of America, Waddell & Reed, First Allied Securities, and Citigroup Global Markets. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, utilizing a centralized team and algorithmic tools to provide written recommendation reports and ongoing advice.

Geovana Costa Freitas is a financial advisor with Fidelity, holding a Series 66 designation and beginning her career in the industry in 2026. Prior to joining Fidelity, she held positions at J.P. Morgan Chase and has experience in various other roles across multiple sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs. The firm also serves as an advisor to registered investment companies and employs systematic methodologies including the use of AI in their investment process.

Fred Maschmidt is a financial advisor with Raymond James & Associates in Fort Myers, FL, holding Series 63, 65, and 66 credentials and with 29 years of industry experience. He has been with Raymond James & Associates since 2003. Outside of his advisory role, he is the founder and director of KGM Memorial, an annual charity golf event, and serves as a board member for Childcare of Southwest Florida. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting with access to a range of portfolio management styles and affiliated research.

Bradley Boeckman is a financial advisor with UBS Financial Services in Bonita Springs, FL, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has been with UBS since 2008. Outside of his advisory work, he volunteers with the Boy Scouts of America Cleveland Council, teaching life leadership skills and assisting with annual fundraisers. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations with a broad range of capital markets services.

Marshall Gifford is a financial advisor with Cetera, holding a ChFC® designation and Series 63 license, and has 33 years of industry experience. He has worked at firms including Securian Financial Services, Minnesota Life, and North Star Consultants. Outside of his advisory work, he is an author and serves as a board member for the North Star Scott Richards Charitable Foundation. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers both discretionary and non-discretionary portfolio management and operates a multi-manager platform with access to affiliated and third-party model portfolios.

David Parker is a financial advisor at LPL Financial in Fort Myers, FL, with 31 years of industry experience. He holds the CFP® and Series 63 designations. His prior experience includes over two decades at Next Financial Group Inc, along with roles at Davis CPAs and Associates and Mathis CPAs and Associates. Parker is also involved in a business called Retire On Time, related to non-variable insurance. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by research and technology tools.

Hannah Andersch is a financial advisor with Equitable Advisors in Fort Myers, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Equitable Advisors in 2021, she worked at Loft Outlet and Captain Jacks Seafood Buffet. She also has a background that includes education roles at Florida State University and Arnold High School. Equitable Advisors serves a diverse client base, including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management services through a network of Investment Adviser Representatives, utilizing a range of firm-offered and third-party advisory programs.

Richard Oaster is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses. He has 30 years of industry experience, including prior roles at Ameriprise Financial Services and Ensemble Financial Services. Outside of advising, he is a licensed notary in New York and is involved with Rollerkoaster Aviation LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, with a focus on providing advisory and brokerage services through a large network of investment adviser representatives.

Shraig Zisman is a financial advisor with Primerica Advisors in Bonita Springs, FL, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2008. Outside of his advisory role, Zisman operates a sole proprietorship focused on office and operations management. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of discretionary separately managed account options for individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for model implementation, providing a tiered wrap-fee structure and ongoing manager oversight.

Carlos Amaris is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Fifth Third Securities. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Luis O'barrio is a financial advisor at LPL Financial with 10 years of industry experience. He holds the Series 66 designation and previously worked at Merrill for 16 years. 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.

Joseph Webber is a financial advisor with Wells Fargo Clearing in Fort Myers, FL, holding the CFP® designation and Series 63 and 66 licenses. He has 32 years of industry experience and has previously worked at Morgan Stanley Private Bank, Morgan Stanley, Merrill, and Ameriprise. Outside of advising, he serves as a power of attorney for a family member. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients, managing approximately $671 billion in assets and providing both brokerage and advisory solutions.

Richard Crosby II is a financial advisor with Stifel in Fort Myers, FL, holding Series 63 and Series 65 licenses and with 34 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2008. Stifel serves a broad range of clients, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses for client decision-making.

Lorraine Albinohinkley is a financial advisor with Primerica Advisors in Fort Myers, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Primerica since 1995. Outside of advising, she serves as president of LHLH 13, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Kat Dalberth is an Investment Consultant at Fidelity Investments, where she works closely with individuals and families to identify their financial goals, develop comprehensive financial plans, and provide investment strategies tailored to their needs. She has held several roles within Fidelity Investments since 2020, progressing from Investor Center Intern to Administrative Assistant, Financial Representative, Relationship Manager, and currently Investment Consultant. Throughout her tenure at Fidelity Investments, Kat has gained experience in client relationship management and financial planning. Her approach focuses on partnering with clients to help them achieve their personal financial objectives and attain financial peace of mind. Outside of her professional work, Kat has interests in art, boating, fishing, horseback riding, pets, and traveling.