Richard Smalley is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 35 years of experience providing financial and wealth management advice and services. Since joining Merrill Lynch in 1997, Richard has focused on delivering personalized financial strategies tailored to his clients' long-term goals. His areas of expertise include family wealth management strategies, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Richard holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned his High School Diploma from Steel Valley High School. In addition to his professional work, Richard has been actively involved in his community, serving as a 20-year board member of the Boys and Girls Club of Sarasota and Desoto Counties. He also enjoys personal interests such as biking, cooking, fishing, and golfing.

Raymond Mccormack Jr. is a CFP®-designated financial advisor with Cetera, bringing 11 years of industry experience. His prior work includes roles at Avantax Advisory Services and Kestra Financial Services. Outside of his advisory work, he chairs the Planned Giving Advisory Council for the Catholic Foundation of Central Florida and leads educational programs focused on poverty and prosperity through United Against Poverty. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a variety of investment programs and manages over $256 billion in assets through a network of more than 10,000 advisors.

Alfred Caliendo is a financial advisor with UBS Financial Services in Sarasota, FL, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with UBS Financial Services since 2008. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Jeffrey Stern is a Certified Financial Planner (CFP®) with 21 years of industry experience. He is currently with Raymond James & Associates, where he has worked since 2021, following an eight-year tenure at Robert W. Baird. Stern volunteers pro bono financial planning services for the nonprofit Wings for Widows in Sarasota, FL. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipalities. The firm provides financial planning and non-discretionary investment consulting, leveraging a range of portfolio management styles and affiliated research.

Joshua Long is a financial advisor at Wells Fargo Clearing with a Series 66 designation and six years of industry experience. He has worked at multiple firms including Cetera Investment Services, Regions Bank, Edward Jones, and Transamerica Financial Advisors. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ashley Cromie is a financial advisor with Charles Schwab in Sarasota, FL, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Centene Management Co., Scharf Group/Next Financial, and Edward Jones. Charles Schwab serves 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 a structured alternative-investment platform.

Silvana Nandin is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2007. She is based in Sarasota, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and utilizes firm-approved tools and models in its planning process.

Luisa Montana is a financial advisor with Wells Fargo Clearing in Sarasota, FL, holding a Series 66 designation and four years of industry experience. She has been with Wells Fargo Bank, N.A. since 2016 and Wells Fargo Clearing since 2021. Outside of her financial advisory role, she also works as a delivery driver for Uber. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Xochitl Napoles is a financial advisor with Morgan Stanley in Sarasota, FL, holding a Series 66 designation and six years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019, and previously held positions at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, and Huntington National Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Rochelle Nigri is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has been with Morgan Stanley and its private bank since 2016 and 2017, respectively. Outside of her advisory role, Rochelle is involved as an employee in the fitness business Pure Barre Sarasota and works as an independent stylist. Morgan Stanley Wealth Management provides a wide range of advisory services to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages substantial client assets and offers both direct and employer-sponsored financial planning programs.

Kristen Kohler is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process using proprietary tools and market simulations.

Brett Gardner is a financial advisor at Ameriprise with credentials including Series 65 and Series 63 and four years of industry experience. His work history includes roles at Ameriprise since 2020, prior experience at Northwood University, and several years with Gardner & Gardner Insurance Co. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies for clients near or in retirement.

Randy Seymour is a CFP® with 33 years of experience in the financial industry. He has worked at Stifel Nicolaus & Co. Inc. since 2020 and previously was with Wells Fargo Clearing from 2016 to 2020. Outside of his advisory work, he serves on the board of the Ebensburg Country Club and is secretary of a nonprofit organization that raises funds for community recreation. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Danielle Walls is a financial advisor with Raymond James & Associates in Lakewood Ranch, FL. She holds a Series 66 designation and has four years of industry experience. Prior to joining Raymond James in 2025, she worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC from 2021 to 2025, and spent eleven years at The Ritz-Carlton, Sarasota. 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, institutions, and municipal clients, offering financial planning, investment consulting, and institutional advisory services with a range of portfolio management styles and affiliated research.

David Haile is a financial advisor at RBC Capital Markets with four years of industry experience. He holds the Series 66 designation and has worked at RBC Capital Markets since 2021. Prior to his current role, he held positions at Whole Foods Market and Hawthorne Healthcare & Rehabilitation. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Todd Sacks is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses and has 33 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm employs structured planning tools and market modeling techniques to support client outcomes and manages approximately $2.74 trillion in client assets.

Ryan Gardner is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and began his career with Ameriprise in 2020. Prior to advising, he worked in education and mediation from 2016 to 2019. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendations and annual retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Benjamin Krich is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Edward Jones and Stifel, Nicolaus & Company. Krich is based in Nokomis, Florida. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, incorporates ESG considerations, and is supported by centralized due diligence and various affiliated implementation resources.

Jay Hesdorffer is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, Hesdorffer serves on the board of the Goldring Woldenberg Institute of Southern Jewish Life, a religious nonprofit organization. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, with a financial planning process that incorporates firm-approved tools and models to support tailored client solutions.

Miguel Ortigao is a CFP® with 15 years of experience in financial advising. He is currently with Cetera and has previously worked at Avantax Investment Services, Avantax Advisory Services, Aksala Wealth Advisors, Capital Investment Advisors, and Gratus Capital. He serves as a director for Tampa Club Epicurean, a nonprofit focused on vocational culinary training for youth. Cetera is an SEC-registered firm that supports more than 10,000 independent advisors and serves a diverse client base, including individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party investment strategies.