Matthew Stephen is a financial advisor with Merrill in Sarasota, FL, holding a Series 66 designation and eight years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2015. Merrill, along 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.

Jaime Messinger is a financial advisor with UBS Financial Services in Sarasota, FL, holding Series 65 and Series 63 licenses and accumulating 12 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services that include fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management offerings, supported by proprietary research and a broad range of capital markets services.

Zachary Rutan is a financial advisor with Wells Fargo Advisors in Sarasota, FL, holding a Series 66 designation and having one year of industry experience. Prior to his role at Wells Fargo Advisors, he worked in educational settings including Florida State University, Tallahassee Community College, and Lemon Bay High School. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services supported by proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Lynn Crapo is a financial advisor at Robert W. Baird & Co. with 16 years of industry experience. She holds a Series 66 designation and has been with Robert W. Baird & Co. since 2012. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored consulting and portfolio services, including financial planning and discretionary portfolio management, utilizing a range of strategies and overlays to meet client goals and risk tolerances.

Salvatore Baio is a financial advisor with UBS Financial Services in Sarasota, FL, holding a Series 66 designation and 17 years of industry experience. He has been with UBS Financial Services Inc. since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management, supported by proprietary research and model-based asset allocations. The firm also provides institutional trading, capital markets services, and affiliated banking and lending programs.

Donald Johnson is a financial advisor with Primerica Advisors in Sarasota, FL, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been associated with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Outside of advisory services, he is involved in selling home security and automation products through affiliated companies and owns a legal entity formed for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies managed by unaffiliated asset managers with discretionary and separately managed account options.

Robert Massaroni is a financial advisor with Ameriprise in Englewood, FL, holding Series 63 and Series 65 designations and 30 years of industry experience. His prior roles include positions at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory work, he owns Massaroni Enterprises LLC, a business involved in real estate. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research and modeling with tax-efficient strategies. As a large institutional firm, it offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Thomas Dowd is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds the Series 66 and Series 63 designations and has previously worked at LPL Financial, CUNA Brokerage Services, and Truist Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a large team of over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research and analytics.

Alison Gardner is a financial advisor with MassMutual Investors Services and holds the Series 63 and Series 65 credentials. She has 41 years of industry experience, including prior roles at City National Bank, RBC Capital Markets, and Morgan Stanley. Gardner serves on the Investment Committee for the Sarasota Ballet. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software tools to analyze client goals and delivers written recommendations through annual, collaborative planning relationships.

Kaitlin Yelle is a financial advisor with Morgan Stanley in Sarasota, FL, holding a Series 66 designation and seven years of industry experience. She has previously worked at City National Bank and RBC Capital Markets, LLC, and currently serves on the Finance and Investment Committees of Embracing Our Differences, a Sarasota-based nonprofit focused on children and youth education. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers diverse services such as estate planning and corporate financial planning agreements.

Sergiu Pletosu is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones Financial and several real estate and country club positions. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence and a combination of quantitative and qualitative research.

Christopher Enger is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Robert Baird & Co., The Q Consulting Group, ThinkBetter, LLC, and Aviance Capital Management. Enger serves as a board member for the Lighthouse Vision Loss Education Center, a nonprofit providing rehabilitation training to the blind and visually impaired in the Sarasota region. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary program focuses on written asset allocation advice, investment manager research, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative analysis.

Lynn Friend is a financial advisor at Stifel with 40 years of industry experience. He has been with Stifel Nicolaus & Co., Inc. since 2004. Outside of his advisory role, Lynn works as a key carrier and managing store employee at TJ Maxx in Sarasota, FL, and holds a Florida notary commission. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Kemraj Dubbra is a financial advisor with J.P. Morgan Securities in Sarasota, FL, holding a Series 66 license and nine years of industry experience. His career includes roles at JPMorgan Chase Bank, Fidelity Investments, Merrill Lynch, and PNC. Outside of his advisory work, he owns and manages four rental properties personally. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting.

Andrew Barclay is a financial advisor at Osaic Wealth with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Woodbury Financial Services and Thrivent Financial. Barclay is also president of Barclay Investments, a sole proprietorship through which he performs financial planning and wealth management services. Osaic Wealth serves a broad mix of retail and institutional clients, offering brokerage and advisory services across comprehensive financial planning, managed portfolios, retirement plan consulting, and alternative investments. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization supported by various tools and multiple custodial and program arrangements.

Nicholas Comella is a Financial Advisor with Merrill Lynch Wealth Management. He works with retirees, pre-retirees, business owners, and professionals to address various aspects of their financial lives. His areas of expertise include retirement planning, retirement income strategies, business succession planning, estate and legacy planning, cash flow management, education planning, and long-term wealth management. Nicholas holds a Bachelor's Degree from Stonehill College and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He emphasizes building relationships based on trust and communication to help clients bring clarity and organization to their financial decisions. Outside of his professional work, Nicholas is involved with Special Olympics. He engages in personal interests such as basketball, bowling, football, golfing, and watching movies.

Richard Caiazzo is a CFP® professional with 21 years of experience in the financial services industry. He is currently affiliated with Mass Mutual Investors Services, where he has worked since 2017, and has prior experience at METLIFE Securities Inc. Caiazzo holds an outside insurance sales position in which he sells various insurance products, including dental, group disability income, life, accident and health, long-term care, disability, fixed annuities, and property and casualty insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Tracy Woodin is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley and its predecessor, Morgan Stanley Smith Barney, since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process that incorporates firm-approved tools and market-based modeling techniques.

Judith Schwartzbaum is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. She has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following 14 years at Citigroup Global Markets. She has a lender role in an investment-related loan business. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and does not provide individual security recommendations as part of standalone planning.

Sherry Hernandez is a financial advisor at Raymond James Financial with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Raymond James in various capacities since 2011. Outside of advising, she works as a registered assistant with Main Street Financial Group in Sarasota, FL. 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 institutional clients. The firm offers tailored, non-discretionary planning and consulting, employing analytical tools such as risk profiling and probability modeling to support client goals.