Thomas Halvorsen is a CFP® with 30 years of industry experience. He has worked at LPL Financial since 2021 and spent 25 years at Waddell & Reed, Inc. Prior to LPL, he was also associated with various insurance carriers through W & R Insurance Agencies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management approaches supported by internal research and third-party subadvisors.

Ty Cohen is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has previously worked at Guardian Life Insurance Company, Strategies For Wealth, and Viva Pictures. Outside of his advisory role, he owns and operates an e-commerce site, ATLAS 25 LLC, overseeing its online storefront and supplier fulfillment on weekends. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services to deliver tailored investment solutions.

Kevin Halifax is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at PNC Investments for seven years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services focused on investment policy statement development, investment recommendations, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Caroline Kwiatkowski is a financial advisor with LPL Financial in St. Petersburg, FL, holding Series 63 and Series 66 credentials and four years of industry experience. Her prior roles include positions at Varde Partners and Northern Trust Asset Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving 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 brokerage services supported by research and various portfolio management options.

James Dolan is a CFP® professional with 32 years of industry experience, currently serving at LPL Financial since 2002. He holds the Series 63 designation and operates out of St. Petersburg, FL. Outside of advisory services, he manages a business under the name Vision Financial Group, Inc. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-driven investment approaches.

Julie Kinney is a financial advisor with Merrill based in St. Petersburg, FL, holding Series 63 and Series 65 licenses and with 33 years of industry experience. She has been with Merrill since 1992 and has concurrently worked at Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jonathon Tuft is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 63 designation and over 40 years of industry experience. He has been with Raymond James since 1998 and is also a partner in Jobil Properties LLC, a business he has been involved with since 2008. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a wide range of clients, including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services with a variety of portfolio management options and provides notable municipal advisory services alongside its broader wealth advisory programs.

Joshua Boulware is a CFP® and ChFC® with 11 years of industry experience. He has worked at Raymond James & Associates since 2025 and previously spent 10 years at Edward Jones. Outside of his advisory role, he serves as a board member providing mentoring for Victorious Encore, an education-focused organization in Miami. 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 and investment consulting services that leverage a range of portfolio management styles and affiliated research.

Alexander Gornto is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2008 and joined Merrill Lynch in 2015. In his role, he focuses on developing strategies and providing advice tailored to individuals, their families, and businesses by understanding their short- and long-term financial objectives. His client expertise includes legacy planning, managing new wealth, and personal retirement planning. Alex holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation as well as the Personal Investment Advisor (PIA) designation. He earned a Bachelor of Science degree in Finance from the University of South Florida. His approach involves coordinating with clients’ tax and legal advisors to deliver integrated wealth management plans that emphasize risk minimization and capital preservation. Alex and his team serve a clientele that includes physicians, attorneys, entrepreneurs, corporate executives, retirees, and small business owners. He lives in Saint Petersburg with his wife, Danielle, and their three children. Outside of work, Alex is active in the community supporting Ronald McDonald House and mentoring area youth through coaching. His personal interests include basketball, golfing, tennis, and spending time with his family.

Alfred Espro is a Series 66-licensed financial advisor with Raymond James & Associates, bringing 26 years of industry experience. His prior experience includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of finance, he owns E5 Training, a sports training business offering local coaching lessons. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm provides non-discretionary financial planning and consulting, utilizing a range of portfolio management styles supported by extensive research and affiliated sub-advisers.

William Nugent II is a financial advisor at RBC Capital Markets in St. Petersburg, FL, with 11 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for seven years. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients through a variety of advisory programs, offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm implements customized strategies using both in-house and third-party investment managers and provides integrated capital-markets and alternative investment capabilities.

Michael Piccione is a Series 66-credentialed financial advisor with 26 years of industry experience. He is currently with LPL Financial and has held previous roles at Ameriprise Financial Services, OSAIC Services, IC Advisory Services, Woodbury Financial Services, Invest Financial Corporation, and SPC. Outside of his advisory duties, he is the sole owner of USA Investment Portfolios, LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs supported by research and third-party subadvisors, and provides both discretionary and non-discretionary portfolio management.

Julie Veltus is a financial advisor with Mass Mutual Investors Services in Palmetto, Florida, holding Series 63 and Series 65 licenses and has 22 years of industry experience. She has been with Mass Mutual Investors Services and MassMutual Life Insurance Co. since 2003. Outside of her advisory role, she operates Veltus Financial Services LLC, providing insurance consulting for individual and group employee benefits. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning using firm-approved software to analyze client goals and provides asset management, wrap and money-manager programs, and educational seminars.

Keith Dudley is a financial advisor at Raymond James & Associates with 32 years of industry experience. He has worked at Merrill, Bank of America, N.A., and Raymond James & Associates since 2020. Dudley holds Series 63 and Series 65 licenses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension and profit-sharing plans, charitable organizations, and government entities, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management styles and affiliated research.

Jeffrey Mc Adams is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 14 years of industry experience. He has been with various Raymond James entities since 2016. Outside of his advisory role, he co-owns Happy Pets Mobile Vet with his wife. Raymond James & Associates is a large 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, non-discretionary investment consulting, and specialized municipal advisory services.

Donna Freeney is a financial advisor with OSAIC in St. Petersburg, FL, holding a Series 66 designation and 34 years of industry experience. She has worked at Royal Alliance Associates, Inc. since 2018 and previously at Signator Investors, Inc. from 2016 to 2018. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services through multiple platforms, employing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes.

Constantine Kallenekos is a financial advisor at RBC Capital Markets with 30 years of industry experience. He has held prior roles at Morgan Stanley and City National Bank. Outside of his advisory work, he is a passive owner of several residential and vacation rental properties. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations, offering tailored portfolio management and financial planning services through a variety of advisory programs.

Sean Kelly is a financial advisor with Raymond James & Associates, holding a Series 66 designation and over 22 years of industry experience. He has been with Raymond James & Associates since 2003. Outside of his advisory work, Kelly serves on the advisory council for Clothes to Kids, is the sole citizen trustee for the City of St. Petersburg Employees Retirement System, and is a board member for the Police Athletic League of St. Petersburg. 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 individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Philip Quealy is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. His prior roles include positions at LPL Financial, Waddell & Reed, and running his own entities, Quealy P.A. Inc. and Lazy 8 Enterprises LLC. He is also involved in a fixed insurance business that offers various non-variable insurance products and fixed annuities. OSAIC serves a broad range of retail and institutional clients, providing integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include stocks, bonds, options, and alternative investments, accommodating both discretionary and non-discretionary account management.

Deborah Stephens is a financial advisor with Primerica Advisors in St. Petersburg, FL, holding Series 65 and Series 63 licenses and five years of industry experience. She has worked at PFS Investments Inc. since 2018 and Primerica Financial Services since 2016. Stephens also has a background in education, having worked at Gwinnett Technical College and Gwinnett Public Schools. 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 clients. The firm operates at scale with nearly 3,700 financial advisors and manages approximately $15.5 billion in assets, delivering advisory services through model recommendations supported by third-party asset managers.