Taylor Alt is a financial advisor at Cambridge Investment Research Advisors with a Series 65 credential and three years of industry experience. Prior to joining Cambridge in 2023, Taylor worked at SmartPro Financial and MoneyShow/Investment Seminars, Inc., and has experience in self-employment through Double Stag, LLC. Cambridge Investment Research Advisors is a large SEC-registered adviser serving individuals, retirement plans, charitable organizations, trusts, and estates. The firm offers financial planning, investment management, and retirement plan advisory services delivered through independent Financial Professionals using a range of portfolio management and model-based solutions.

Thomas Kornett is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 27 years of industry experience. His prior firms include Merrill, Bank of America, PNC Wealth Management, and Hancock Whitney Bank. He serves as president of the board of directors for the Manatee Library Foundation and is a board member of the Manatee Education Foundation. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Stephen Cetrulo is a financial advisor at Charles Schwab with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2009. Based in Sarasota, FL, he operates within one of the largest firms in the industry. 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 discretionary separately managed accounts, supported by a centralized operational structure and a distinctive multi-asset, model portfolio approach.

Sandra Hildebrand is a financial advisor with Ameriprise, holding a Series 66 designation and 30 years of industry experience. Her career includes roles at Ameriprise Financial Services and Planning Solutions Group, with extensive experience in financial planning and advisory services. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, delivering personalized, non-discretionary recommendations through a centralized consulting team.

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.

Sandra Cutcliffe is a financial advisor at Ameriprise with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Ameriprise since 2009. Outside of her advisory role, she serves on the Board of Directors for America's Boating Club of the Bradenton Area. Ameriprise provides a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm combines research and modeling with tax-efficient strategies and offers a range of advisory, brokerage, and insurance solutions through its affiliated companies.

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 since 2016 and at Morgan Stanley Private Bank, N.A. since 2017. Outside of her advisory role, she is involved with Pure Barre Sarasota in the fitness sector and works as a stylist on a consulting basis. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages substantial client assets and emphasizes structured planning processes that use firm-approved tools and modeling techniques.

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 in Sarasota, FL, holding Series 63 and Series 65 licenses with four years of industry experience. He previously worked at Gardner & Gardner Insurance Co. and Northwood University before joining Ameriprise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on dependable income and tax-aware strategies.

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.