Jeffrey Clark is a CFP® professional with 39 years of industry experience, currently serving as an advisor at LPL Financial since 2002. Based in Trinity, FL, he has spent over two decades with LPL Financial and operates the CarriageGate Wealth Management business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, and institutions, offering a range of financial planning and advisory programs supported by research and model portfolios.

Glenn Caldwell is a Certified Financial Planner (CFP®) with 25 years of experience in the financial industry. He has been with Wells Fargo Clearing and Wells Fargo Bank since 2016 and previously worked at Wells Fargo Advisors. Outside of his advisory work, he serves as a personal representative for his mother. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to guide investment selections and provides both brokerage and advisory solutions.

Jerry Brewster is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. Prior to joining Wells Fargo in 2017, he worked at Morgan Stanley and its affiliated entities from 2007 to 2017. Outside of his advisory role, Brewster serves as an elder at Trinity Church of Christ in New Port Richey, Florida, and is a commissioned notary public. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics based on diversification principles and modern portfolio theory.

Douglas Horner is a CFP® and holds a Series 66 license with 23 years of industry experience. He has been with J.P. Morgan Securities since 2017, following prior roles at Harwood Advisory Firm, Strategic Advisers, Inc., and Fidelity Brokerage Services. Based in Tampa, FL, Horner provides financial advisory services within a large institutional firm. J.P. Morgan Securities LLC offers institutional consulting to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting. As part of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Jonathan Cooney is a financial advisor at Morgan Stanley with 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Cooney holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by risk modeling tools.

David Schreck serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with the firm since 2006, providing financial advisory services to his clients. His expertise is supported by his professional designations, including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). David earned his bachelor's degree in finance from Auburn University, graduating cum laude. Alongside his professional commitments, he is an instrument-rated pilot and engages in boating, mountain biking, and traveling. He resides in Clearwater Beach, Florida, with his wife and two daughters.

Michael Hill Jr. is a financial advisor at Edward Jones with six years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2019. Prior to his career in finance, he served in the United States Marine Corps for 20 years. He is a board member of the Reconnection Education Center, a nonprofit school in Odessa, FL. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and pension plans. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies and affiliated investment products through a large nationwide network of financial advisors.

Eric Holder is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors, LLC. Holder serves as an officer and board member of the Florida Security Dealers Association, where he participates in industry discussions and planning. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and incorporates a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Luke Drummond is a financial advisor at Cetera with one year of industry experience. He holds Series 66 and Series 63 designations. Prior to joining Cetera, he worked at Morgan Stanley and is involved with Generations Tax and Wealth Management LLC, where he provides tax-related services in addition to wealth management. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers multiple portfolio management and consulting services through a large nationwide network of advisors and provides access to various third-party money managers and investment programs.

Christopher Mergardt is a financial advisor with Wells Fargo Clearing in Tarpon Springs, FL, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has additional experience with Wells Fargo Bank and Wells Fargo Advisors, LLC dating back to 2015. Outside of his advisory role, he serves as a power of attorney assisting with legal and financial matters for a family member. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm uses an investment policy statement–driven approach grounded in modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options in its investment menus.

Paul Covelski is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2018. He has been serving Fidelity clients for more than 20 years, focusing on helping clients and their families grow and protect their wealth, make sound investment decisions, and simplify their financial lives. Paul partners with clients to understand their goals and build customized financial plans tailored to their unique situations. His extensive experience at Fidelity includes roles such as Financial Consultant, Investment Representative, Private Client Group Relationship Manager, Premium Services Representative, Financial Representative, and 401k Customer Service Associate. Prior to joining Fidelity, he worked as a Personal Banker at Bank of America. Paul holds a California Insurance License. Outside of his professional career, Paul enjoys family activities, military service, outdoor adventures, parenthood, running, and traveling.

Steven Kim is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2014. Outside of his advisory role, he is the owner and partner of Steven Alexander LLC, a private investment company used as an estate planning vehicle. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these advisory services alongside affiliated brokerage and investment management capabilities.

Raymond Tromba is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked at PFS Investments Inc. and Primerica Financial Services since 2019 and previously at EBCS and ISG. Outside of advisory roles, he is a partner in a real estate investment business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm employs a tiered wrap-fee structure and curates third-party asset managers to implement its investment models.

Stephen Kelly is a financial advisor with LPL Financial in Dunedin, FL, holding Series 63 and Series 65 credentials and having 30 years of industry experience. He has been with LPL Financial since 2015 and previously operated Kelly Financial Group, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, 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 discretionary and non-discretionary management supported by in-house and third-party research.

Ashley Johnson is a CFP® with 18 years of experience in financial advising, currently with Ameriprise in Clearwater, FL. She has been with Ameriprise and its affiliated entities since 2007. Outside of her advisory role, she manages the operational side of her practice through A.E. Johnson Enterprises. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that address income, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach while offering a broad range of advisory, brokerage, and insurance solutions.

Patrick Lukert is a financial advisor with Fidelity and holds a Series 66 designation. He has three years of industry experience and has previously worked at Morgan Stanley and New York Life Insurance Company. Outside of advisory work, he also drives for Uber Technologies and participates as a buyer and seller on Mercari. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and model portfolios built through a combination of proprietary research and quantitative methods. The firm serves a broad client base and is noted for its use of algorithmic portfolio construction and its advisory roles to multiple registered investment companies.

Joseph Rettig is a financial advisor with Ameriprise in Palm Harbor, FL, holding a Series 63 designation and bringing 43 years of industry experience. He has been with Ameriprise and its predecessor entities since 1986. Rettig is also co-CEO of Vision Set LLC, a business focused on administration and management. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, delivering tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Nicholas Santana is a financial advisor at Edward Jones in Tarpon Springs, FL, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, he worked in media with Nexstar Media Inc. and Heartland Media from 2017 to 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs and affiliated investment products, supported by a large national network of financial advisors and branch offices.

Eric Coyner is a financial advisor at Charles Schwab with 14 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Charles Schwab in 2020, he worked at USAA in various advisory and financial planning roles from 2013 to 2020. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research and a formal alternative investment process.

Jeffrey Davis is a financial advisor at Equitable Advisors with 51 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Equitable Advisors since 1999, following his tenure at AXA Advisors. Outside of his advisory role, he is involved in outside disability sales and life settlement activities. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm utilizes a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals and risk tolerance.