Fernando Colon Hernandez is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. He has worked at Merrill since 2022 and held positions at several other firms, including Bank of America, N.A., H&R Block, and Mutual of Omaha. Outside of his advisory role, he is the owner of Sahel Consulting LLC, a marketing consulting business. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Leifer is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, he is also involved in the arts through his business, David Leifer Art. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, with a focus on advisory services rather than individual security recommendations.

John Franz is a Wealth Management Advisor associated with Merrill Lynch Wealth Management. He works with a limited number of financially independent clients, typically individuals or families with investable assets of $1 million to over $5 million, providing ongoing oversight, second-opinion guidance, and strategic coordination. His practice is focused on high-net-worth wealth management, including portfolio management, retirement planning, tax minimization, and services for endowments, foundations, and non-profits. John's expertise includes wealth preservation, legacy planning, and assisting clients with complex financial decisions such as career transitions, executive moves, and 401(k) rollovers. He often collaborates with clients' estate attorneys and CPAs to unify planning strategies, emphasizing goals-based investment frameworks and tax-sensitive growth portfolios. Many client relationships begin with confidential second opinions to assess alignment across investments, tax strategy, and long-term planning. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). John earned an Accredited Certificate from the College for Financial Planning. He is a member of professional organizations such as the Investment Consulting Association and the NFLPA, and participates in community involvement with the American Cancer Society. Outside of his professional work, John enjoys biking, boating, golfing, swimming, traveling, and spending time with his family.

Ernest Dean Jr. is a financial advisor with Morgan Stanley in Sarasota, FL, holding a Series 66 designation and 17 years of industry experience. He has been with Morgan Stanley since 2010 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including customized financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer-sponsored arrangements.

Peter Borho is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 credential. He has 19 years of industry experience, including prior roles at Benjamin F Edwards & Co and Kovack Securities, Inc. Outside of advisory work, he is involved in insurance and benefits agencies and owns a holding company. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm provides financial planning, investment management, and retirement services through independent financial professionals, offering a range of portfolio management options and proprietary and third-party strategies.

Donna Gora is a Senior Financial Advisor with Merrill Lynch Wealth Management. She works alongside a team of firm specialists to provide goals-based wealth management services to a diverse range of clients. Donna focuses on developing strategies, offering investment guidance, succession planning, and exit strategies tailored for individuals, families, their businesses, as well as nonprofit organizations and foundations. Her expertise includes family wealth management strategies, services for endowments, foundations, and non-profits, personal retirement and philanthropic planning, small business strategies, socially responsible and ESG investing, women and wealth, sports and entertainment, and retirement income. Donna holds the Personal Investment Advisor (PIA) designation and has earned a High School Diploma from Oldsmar Christian School, an Associate's Degree from Edward Williams College, and both a Bachelor's and a Master's Degree from Fairleigh Dickinson University. Outside of her professional work, Donna is involved in community activities focused on early childhood development and education, as well as theater and the arts. Her personal interests include biking, gardening, and music.

Thomas Osterman is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses. He has 33 years of industry experience and has been with Morgan Stanley and its Private Bank since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and firm-approved methodologies to support client financial goals.

Beth Robak is a Senior Financial Advisor with Merrill Lynch Wealth Management. She works closely with clients and their families to develop tailored financial strategies aimed at addressing complex financial challenges and achieving both short- and long-term goals. Her collaborative approach involves coordinating with clients' CPAs, attorneys, and other professionals to deliver comprehensive wealth management solutions. Beth leverages investment insights from Merrill and the banking services of Bank of America to assist clients in navigating changing market conditions and financial opportunities. Beth has particular expertise in serving entrepreneurs, business owners, and women professionals. She understands the complexities involved in managing business growth, succession planning, and employee benefits, as well as balancing business and family financial needs. She also focuses on helping women engage actively with their family's financial planning and supports female business owners in aligning their personal and professional goals. She holds a Bachelor’s degree from Illinois State University and an MBA from Lake Forest Graduate School of Management. Beth is a Certified Exit Planning Advisor (CEPA) and a Personal Investment Advisor (PIA). In addition to her professional role, she participates in community volunteer activities. Her personal interests include boating, golfing, reading, skiing, swimming, traveling, volleyball, and spending time with her family.

Felipe Lewis is a Financial Consultant at Fidelity Investments, where he assists clients in understanding and navigating the company's offerings to develop and implement personalized financial plans. He has been with Fidelity Investments since 2020, progressing through roles including Financial Representative, Relationship Manager, and Investment Consultant before his current position. Prior to joining Fidelity, Felipe held positions in the banking industry, including Branch Manager at Credit Union 1 from 2012 to 2017, Licensed Personal Banker at JPMorgan Chase Bank from 2009 to 2012, and Senior Personal Banker at Parkway Bank & Trust Co. from 2003 to 2009. His experience spans various aspects of financial services, emphasizing client relationships and investment consulting.

Jorge Lopez Balboa is a financial advisor with UBS Financial Services in Sarasota, FL. He holds Series 63, Series 65, and Series 66 designations and has 52 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client plans.

Daniel Shontere is a financial advisor at Ameriprise with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Ameriprise and its affiliated entities since 2009. He serves on the Board of Directors and acts as Finance Chair for Young Life Manatee County. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on dependable income and tax-aware withdrawal strategies.

Tammy Friend is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and 32 years of industry experience. She has worked at Raymond James since 2005 and is also associated with Rosnack Financial Group, where she serves in a support capacity. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses analytical tools such as deterministic and probability modeling to tailor non-discretionary planning and consulting services to client goals.

Antonio Perlain is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 23 years of industry experience. His career includes over a decade at TD Ameritrade, followed by roles at Charles Schwab Bank SSB and Charles Schwab and Co., Inc. since 2022. Charles Schwab & Co., Inc. primarily serves 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 blend of non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

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.

Mark Lacey is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at firms including Fidelity Investments, Raymond James & Associates, The Prudential Insurance Company of America, and PRUCO Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, advisory, and brokerage services through an integrated platform that combines investment advisory programs with access to brokerage and insurance products.

Jaime Messinger is a financial advisor with UBS Financial Services in Sarasota, FL, holding Series 65 and Series 63 designations and possessing 12 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies.

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.

John Tucker III is a CFP®-certified financial advisor with Edward Jones in Bradenton, FL, where he has worked since 2011. He has 14 years of industry experience and holds a Series 66 designation. Outside of his advisory role, he is involved in healthcare property leasing through Health Care for All LLP. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth and non-high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors and manages approximately $1.01 trillion in assets.

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.

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.