John Mc Connell III is a financial advisor with Ameriprise in Clearwater, FL, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written recommendation reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Michael Miller is a financial advisor with LPL Financial in Clearwater, FL, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He previously worked at INVEST Financial Corporation from 2014 to 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, retirement plan consulting, and model portfolios supported by in-depth research and diverse investment strategies.

Zachary Kessler is a financial advisor with Raymond James & Associates in St. Petersburg, FL. He holds a Series 66 designation and has 13 years of industry experience, all with Raymond James since 2010. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses and serves both retail and institutional clients, including municipal entities through its Institutional Fiduciary Solutions division.

Nicholas Carroll is a CFA® charterholder and holds a Series 66 license, currently serving as a financial advisor with Raymond James & Associates. He has five years of industry experience, including roles at UBS Financial Services and Neville Wainio CPAs PLLC. Raymond James & Associates provides financial planning and investment consulting to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and delivers institutional consulting, with a focus that includes public finance and municipal work.

Jacob Bennett is a financial advisor at Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation with two years of industry experience. His prior work includes roles at Northwestern Mutual, PLS Logistics, and Cimarrone Golf Club. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and government entities, delivering non-discretionary financial advice supported by a comprehensive affiliate network and specialized municipal and public finance services.

Dana Seiber is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and eight years of industry experience. She has been with Raymond James since 2015. Outside of her advisory role, she is the owner of Sunchase Travel LLC, a travel agency business she has operated since 2006, primarily serving a long-term corporate client. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through both non-discretionary and discretionary advisory programs and maintains specialized capabilities in public finance and municipal services.

Richard Palmer Jr. is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and accumulating 29 years of industry experience. He has been with Raymond James & Associates since 2013. Outside of his advisory role, Palmer is the owner of the Institute for DROP Consultants, which promotes DROP-related materials and oversees the licensing of the Certified DROP Consultant certification mark. Raymond James & Associates provides financial planning and investment consulting services to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, serving both retail and institutional clients with a focus that includes public finance and municipal work.

Braulio Castillo Jr. is a financial advisor at Raymond James & Associates with three years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley and Fidelity Investments. Raymond James & Associates provides financial planning and investment consulting to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers both non-discretionary advisory services and institutional consulting, including public finance and municipal work.

Kristine Reed is a financial advisor with Raymond James & Associates in Tarpon Springs, FL, holding Series 63 and Series 65 licenses and having 17 years of industry experience. She has been with Raymond James since 2015, working across multiple affiliated entities within the firm. Outside of her advisory role, she is a 50% owner and officer of Bkreed, Inc., an S Corporation organized for tax purposes. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and institutional consulting, with a focus that includes public finance and municipal services.

Robert Lewis is a financial advisor with Raymond James Financial Services Advisors Inc. in St. Petersburg, FL. He holds Series 63 and Series 66 licenses and has 27 years of industry experience. He has been with Raymond James since 2011. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of implementation options and supported by an extensive affiliate network.

Madison Sherman is a financial advisor at Raymond James & Associates with Series 66 registration and one year of industry experience. Prior to joining Raymond James, Sherman held roles at Water and Flour and Chickies and Pete's, as well as working in education at The University of Tampa and Moorestown School District. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets. The firm provides wealth advisory planning and investment consulting to a diverse client base including individuals, corporations, pension plans, and government entities, with a notable presence in municipal and public finance.

Kelly Kipnis is a CFP® professional with 24 years of experience in the financial services industry. She is currently with Raymond James & Associates and has previously worked at Hartford Funds and Wells Fargo Funds Management. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Jeffrey Julien is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 63 designation and over 40 years of industry experience. He has been with Raymond James Financial and Raymond James & Associates since 1983. Julien serves on the advisory board for Elk River Greens and is a member of the finance committee at Elk River Club, a privately owned country club. He also participates in the finance and investment committee at Feather Sound Church. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, with a notable emphasis on municipal and institutional consulting services.

Gary Franklin is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 31 years of industry experience. He has been with Raymond James & Associates since 2013. Raymond James & Associates provides financial planning and investment consulting services to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and supports municipal and institutional clients through specialized divisions.

Sydney Niewierski is a CFP®-certified financial advisor with 25 years of industry experience. She is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Wells Fargo Advisors and related entities for over a decade. Outside of her advisory role, she is a partner in CN Wealth Management Group, operating under the DBA Keybridge Wealth Management, and serves as a board member and finance/investment committee member for the Morton Plant Mease Healthcare Foundation. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm emphasizes non-discretionary financial planning and investment consulting, using detailed risk profiling and firm research to develop tailored recommendations.

Dale Darr is a CFP®-certified financial advisor with 13 years of industry experience, currently with Raymond James & Associates. His prior experience includes roles at Fifth Third Securities, Fifth Third Bank, and Wells Fargo Clearing. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and government entities. The firm provides wealth advisory planning and investment consulting through its Wealth Advisory Services Program and institutional consulting services, with a distinctive focus on municipal and public finance clients.

Andrew Longman is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Columbia, MD, and has 14 years of industry experience. He previously worked at Citigroup Global Markets from 2012 to 2018 before joining Wells Fargo Bank and Wells Fargo Clearing Services in 2018. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kirk Bell is a CFP® professional with 26 years of industry experience, currently advising at Raymond James Financial Services Advisors Inc. since 2014 and associated with Raymond James Financial Services, Inc. since 2000. He holds the Series 63 designation and is based in Parrish, FL. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset-allocation analysis and firm research to develop tailored recommendations while leaving final decision authority with clients.

Berta Maria Gonzalez is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked at Cetera and its affiliate firms since 2004. In addition to her advisory role, she is a partner in a tax and accounting practice, focusing on tax preparation, accounting, and administrative services. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment strategies.

Andrew Gregory is a financial advisor with Raymond James & Associates in St. Petersburg, FL. He holds Series 63 and Series 66 credentials and has three years of industry experience. Prior to joining Raymond James in 2022, he was with Gregory LLC for 16 years. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers both non-discretionary advisory services and institutional consulting, with a notable focus on public finance and municipal work.