Rachel Sears is a financial advisor with OSAIC in St. Petersburg, FL, holding a Series 66 designation and seven years of industry experience. She previously worked at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and KPMG LLP. In addition to her advisory role, Sears is a business owner and registered representative of Sears Group, Inc., where she services clients, and she also works as an insurance agent focusing on life insurance, long-term care, and annuities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and investment advisory services and uses various tools and third-party platforms to construct and manage portfolios that include a broad range of asset classes.

Kristina Pino is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers planning services both directly and through corporate agreements.

Philip Gauntlett is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 21 years of industry experience. He has worked with Cetera Investment Services LLC and Regions Bank since 2014. He serves as a co-trustee on an in-laws' trust. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individual investors, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party managers, supporting a range of investment strategies and program structures.

James Howard is a Series 66 licensed financial advisor at Morgan Stanley with 12 years of industry experience. He has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, N.A. since 2019. Outside of his advisory work, he is a partner at Riffy Bits, LLC, a publishing business based in St. Petersburg, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its advisory process.

David Piano is a financial advisor with Morgan Stanley in Bradenton, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment committee insights while offering a variety of retail and institutional investment services.

Nicholas Hammond is a financial advisor at LPL Financial with 22 years of industry experience. He holds the Series 63 and Series 66 credentials. Prior to joining LPL Financial in 2025, he worked at The Investment Center, Inc. and IC Advisory Services, Inc. for nine years. Outside of advising, he operates Palmer Hammond Tax Services, a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management, supported by in-house and third-party research.

Jessica Wassmer is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has been with Bank of America and Merrill for over 21 years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Waters is a financial advisor with Raymond James & Associates in St. Petersburg, Florida. He holds the Series 66 designation and has 26 years of experience in the industry, including over 27 years with Raymond James & Associates. Outside of his advisory work, he is a partner in Jobil Properties LLC, where he oversees operations and maintenance activities. 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, non-discretionary investment consulting, and institutional fiduciary services.

Ryan Belfiore is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at TD Private Client Wealth LLC, Regions Bank, and MVP Orthopedics Inc. He is based in Seminole, Florida. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to multiple third-party money managers through a multi-manager platform.

Casey Craft is a financial advisor at Raymond James Financial with 10 years of industry experience. He holds the Series 66 designation and has been with various Raymond James entities since 2014. In addition to his advisory role, he is an associate with Kirk Wealth Group in St. Petersburg, FL. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and other clients, offering tailored, non-discretionary planning and analytical tools to support client goals.

Douglas Reller is a financial advisor with Morgan Stanley in St. Petersburg, FL, holding a Series 66 designation and bringing 16 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2016 and Morgan Stanley Private Bank, N.A. since 2015. Reller serves on the Board of Advisors for the University of South Florida Byrd Alzheimer's Research Center. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individual and institutional clients. The firm’s financial planning process utilizes structured discovery conversations and planning tools, serving clients through tailored financial plans without providing individual security recommendations as part of standalone planning.

Barth Morreale is a financial advisor at Ameriprise with 18 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2016. Outside of his advisory role, he is involved with GJC Legacy and Associates, Inc., where he manages an advisory business. Ameriprise offers a retirement-income planning service for individuals nearing or in retirement who meet certain asset criteria. The firm provides a range of advisory, brokerage, and insurance solutions, combining research, modeling, and tax-efficient strategies to deliver tailored retirement recommendations.

Thomas Panos is a financial advisor with Raymond James Financial Services Advisors, Inc. in St. Petersburg, FL, holding CFP® and ChFC® designations and bringing 29 years of industry experience. He has been with Raymond James since 2009 and is also the CEO and president of Panos Wealth Partners Group, Inc. Outside of his advisory role, he is involved with Bourbon Barrel Buddies, LLC, a private investment entity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary consulting using analytical tools to support client goals and offers specialized services such as municipal advisory and SIMPLE IRA employer consulting programs.

Jeffry Olson is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 28 years of industry experience. He has been with Wells Fargo Advisors and its affiliated entities since 2013. Olson also holds ownership interests in investment-related businesses based in Fargo, North Dakota. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of specialized planning options and tailored recommendations supported by Wells Fargo’s research and tools.

Scott Geric is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 34 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he is involved with Geric/Hemp Investment Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and technology-driven strategies.

Robert Torris is a financial advisor with LPL Financial based in St. Petersburg, FL, holding Series 63 and Series 65 credentials and possessing 29 years of industry experience. He previously worked at Raymond James Financial Services Advisors, Inc. and Bluewater Financial for over 15 years each. Outside of advisory services, Torris is involved with RVTCHARWELL, Inc., a business entity unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Robert Clifton is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2003 and joined Merrill Lynch in 2012. Robert focuses on developing strategies and recommendations tailored to individuals, families, and businesses aiming to meet their short- and long-term financial goals. His approach to wealth management is consultative and objective, emphasizing a comprehensive understanding of each client’s financial situation, preferences, and goals. Robert offers recommendations for asset allocation based on income, growth expectations, time horizon, risk tolerance, and liquidity needs. He collaborates closely with clients, their families, Merrill specialists, and outside professionals to address specialized planning needs, including investments, credit and lending, retirement, and estate planning services. Robert’s client focus areas include employee benefits planning, family wealth management strategies, services for endowments, foundations, and non-profits, personal retirement planning, portfolio management services, sports and entertainment, and retirement income. Robert earned a High School Diploma from Denbigh High School and holds the Personal Investment Advisor (PIA) designation. Originally from southeastern Virginia, he has lived in the Sarasota/Bradenton area for ten years with his wife, Robin. They participate actively in community projects and volunteer work. Outside of work, Robert enjoys chess, cooking, golfing, tennis, traveling, yoga, and spending time with his family.

Mary Louise Ferguson is a financial advisor with RBC Capital Markets in St. Petersburg, FL, holding a Series 66 designation and with 25 years of industry experience. She has been with RBC Capital Markets since 2009 and also works with City National Bank since 2016. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs and tailors investment strategies to clients' risk profiles using a mix of in-house and third-party managers.

Tristen Hasson is a financial advisor at Raymond James Financial with Series 66 credentials. He has less than one year of industry experience and is concurrently affiliated with Frey Masterson Investment Advisors. Prior to his current role, he has held positions at several firms including Northwestern Mutual Investment Management and Bernardo Wealth Planning LLC. Hasson is also involved in studying for additional licenses and supports financial planning activities. 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 advanced analytical tools, and is notable for its municipal advisory affiliation and specialized SIMPLE IRA employer services.

Salvatore Di Natale II is a financial advisor at Raymond James & Associates with four years of industry experience. He holds the Series 66 designation and has worked at Raymond James since 2023. Prior to that, he was affiliated with Securities America in various capacities and has experience outside finance, including five years at ABC Hardware and Rental. Raymond James & Associates 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 investors, and municipal entities, offering financial planning and consulting through various specialized programs and portfolio management styles.