Andrew Whitmore is a CFP® professional with 31 years of experience in the financial services industry. He has been with Ameriprise since 2009 and currently manages his practice through a legal entity he established for administrative purposes. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, providing detailed written recommendations that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

William Steves is a financial advisor at OSAIC with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Sagepoint Financial, Inc. and Sunamerica Securities, Inc. Steves is also president and owner of Steves Investment Management, Inc., an investment-related entity used for tax reporting purposes. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm employs a model-based investment approach with portfolio optimization and offers a range of advisory and brokerage services supported by multiple custodial relationships and alternative investment platforms.

Gerhard Steven Jr. is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he held various roles including work with Virgin Islands Small Business Development and Federal Emergency Management Agency. He also operated a taxi service business for a period. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and methodologies to support clients’ financial goals.

Cassandra Rigney is a financial advisor with Primerica Advisors in Land O Lakes, FL, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Primerica, she worked in various roles including at Turo and the USA Census Bureau. Outside of her advisory work, she also drives for Lyft on a part-time basis. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients within a wrap-fee structure.

Kenneth Carruba is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 33 years of industry experience, including prior roles at Waddell & Reed, Inc., Carruba Quealy & Associates, and Silent Partners Technology, where he was also a business owner. Outside of his advisory work, he has owned an insurance business and maintained involvement in investment-related activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions. The firm offers advisory and brokerage services supported by a broad range of investment options and operational tools, with oversight of over $819 billion in discretionary assets and a network of more than 22,800 advisors.

April Bronson is a financial advisor at OSAIC with 16 years of industry experience. She holds the Series 66 designation and has worked previously at Raymond James and Associates, Signator Investors, Inc., and Full Circle Financial. Outside of her advisory role, she owns and operates Bronson's Crafts N Such, where she creates and sells hand-painted wood items. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance tools and allows advisors to implement discretionary strategies or select third-party managers.

Eileen Thompson is a financial advisor with Merrill in Clearwater, FL, holding a Series 66 designation and 26 years of industry experience. She has been with Merrill since 1995. Outside of her primary role, she serves as a power of attorney for a non-investment-related entity in Green Cove Springs, Florida. 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jason Pinholster is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2016. Charles Schwab & Co., Inc. 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 offers a combination of non-discretionary investment guidance and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

George Keim is a CFP® certificant with over 33 years of experience in the financial industry. He has been with Raymond James Financial since 2006 and holds Series 63 and Series 65 licenses. In addition to his advisory role, he is an associate at Hirschberger Financial Services, where he provides financial planning services including tax and estate planning. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, and institutional investors. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and encourages implementation through its advisory programs and other providers.

Kevin Donoghue is a financial advisor at Ameriprise with 25 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliates since 2012. Outside of his advisory role, Donoghue serves on several boards including the Dunedin Fine Art Center and the Morton Plant Mease Health Care Foundation, and he is chairman of the Pinellas Health Facilities Authority. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research-driven modeling and tax-efficiency analysis to provide tailored, non-discretionary retirement recommendations through a centralized consulting team.

Jessica Whitton is a financial advisor at Merrill with 17 years at the firm and 12 years of industry experience. She holds a Series 66 designation. Outside of her advisory role, she is a co-owner of several family rental properties. 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 a diverse client base including individuals, high-net-worth clients, and institutions.

Raymond Mckenney is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He has been assisting clients with financial decisions since 2010 and joined Merrill in 2018. Raymond holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) designation. He also maintains Series 6, 7, 63, and 66 registrations with the Financial Industry Regulatory Authority (FINRA). Raymond works with individuals, families, and business owners to develop tailored strategies that support their financial goals and long-term vision. His areas of focus include retirement income planning, wealth management, estate planning strategies, legacy planning, liquidity management, and personal retirement planning. He aims to simplify complex financial decisions and collaborates with tax and legal professionals to provide a cohesive planning experience. He attended the University of South Florida - Saint Petersburg, though no degree was conferred. Outside of work, Raymond enjoys traveling, attending sporting events, fishing, boating, baseball, golfing, and spending time with his family. He lives in St. Petersburg, Florida, with his wife, Erica, and their two children, and is actively involved in youth coaching and mentoring within his community.

Jean Pierre Di Vito is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in providing comprehensive wealth management strategies tailored to individual client needs, including wealth transfer and allocation, retirement and estate planning services, banking, and concentrated stock risk management. Jean Pierre and his team draw upon over 55 years of combined industry experience to serve clients with customized, integrated approaches. He holds a Bachelor's Degree from LaSalle University and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His team stays current with market strategies, trends, regulations, and tax laws to develop innovative financial plans aligned with clients' long-term goals. Jean Pierre is involved in several professional organizations such as the All Children's Foundation, Florida Orchestra, Keep Tampa Bay Beautiful, La Salle University Alumni, National Audubon Society, and St Petersburg Opera. He also contributes to the community as a volunteer with the American Red Cross and Habitat for Humanity.

Alexis Reyes is a financial advisor at Merrill with Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining Merrill, Reyes worked at Bank of America, E*TRADE Securities, Morgan Stanley Smith Barney, JPMorgan Securities, JPMorgan Chase Bank, TD Bank, and Capital Communication Federal Credit Union. Outside of advisory roles, Reyes is a general partner and managing member of La Liga Sports Agency LLC, which focuses on developing and supporting underprivileged youth and young adult sports athletes through skill development, training academies, community leagues, and player representation. 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. The firm offers model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Kelly is a financial advisor at Stifel with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Invesco, Capital Group - American Funds Distributors, Jackson National Life, and Allstate. Stifel serves a broad range of individual and institutional clients, offering brokerage and investment advisory services including fee-based financial planning and recommendations of third-party advisers. The firm’s investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Kimberly Roper is a financial advisor with Cambridge Investment Research Advisors in Clearwater, FL, holding a Series 66 designation and seven years of industry experience. She has been with Cambridge Investment Research Advisors since 2019 and previously worked at Pewter Report Inc. for 12 years. Roper is also involved with the Girl Scouts of West Central Florida as a non-investment-related volunteer. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals. The firm provides both discretionary and non-discretionary management across multiple platforms and custodians and maintains proprietary model strategies under the Founders Gate Capital brand.

Brett Bennett is a financial advisor at Fidelity with 16 years of industry experience. His previous roles include positions at Charles Schwab, E*TRADE Capital Management, and Fidelity Investments. Outside of his advisory work, he is a passive co-owner of a freight logistics franchise. Brett works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a process combining proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

David Rosensteel is a financial advisor with LPL Financial in Port Richey, FL, holding Series 63 and Series 65 licenses and having 30 years of industry experience. His prior work includes roles at Independent Financial Partners and Mutual Service Corporation. He is also a CPA and spends part of his time on tax preparation and bookkeeping services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Stirling Heath is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 13 years of industry experience. His prior work includes roles at LPL Financial, Allianz Life Insurance Company of North America, and Jackson National Life Distributors. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions, relying on research and analytics to guide investment decisions.

Paul Vogel is a financial advisor with LPL Financial in Odessa, FL, holding a Series 63 designation and 39 years of industry experience. His prior roles include positions at Ameriprise Financial Services, JHS Capital Advisors, and Raymond James & Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.