Michael Massrock is a financial advisor at OSAIC with 23 years of industry experience. He holds a Series 66 credential and has worked previously at Sagepoint Financial, Inc. and Innovation Partners LLC. Outside of his advisory roles, he is an associate-manager of a family LLC used for tax purposes. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs a range of investment tools and third-party solutions to construct customized portfolios across various asset classes.

Dusten Rizzo is a financial advisor at Primerica Advisors with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Primerica since 1996. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm delivers advisory services through a large network of advisors and utilizes model-driven investment strategies managed by third-party asset managers.

Preston Tagaras is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James Financial since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Francis Mossett III is a financial advisor with Ameriprise in Palm Harbor, FL, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Mossett is involved in consulting and business ownership activities. Ameriprise offers retirement-income planning services tailored to clients approaching or in retirement, combining research, modeling, and tax-efficiency analysis to produce personalized recommendation reports. The firm serves individuals with substantial investable assets and provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Heather Hubbard is a financial advisor at Cetera with 16 years of industry experience. She holds a Series 66 designation and has been with Cetera Investment Advisors LLC since 2014. Outside of her advisory work, she serves as president of Rest Eternal Mission Inc., a nonprofit organization, where she oversees board meetings and volunteer coordination. Cetera Investment Advisors LLC is an SEC-registered firm that serves individual clients, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and consulting services including discretionary and non-discretionary management, utilizing a multi-manager platform with access to affiliated and third-party managers.

Michael Works is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of the Carlson Group, a goals-based wealth management team. He began working with Merrill Lynch in 1996, focusing on portfolio management strategies tailored to client objectives, including legacy planning, liquidity management, personal retirement planning, and retirement income. He also works with corporate retirement plans, customized lending, trust and estate planning, and wealth transfer strategies. Michael earned a Bachelor's Degree from the University of Missouri and holds the designation of CERTIFIED FINANCIAL PLANNER® (CFP®), awarded by the Certified Financial Planner Board of Standards, Inc. in 2002. He is also a United States Marine veteran, a title he earned in 1983. He lives in Odessa, Florida, with his wife of over 30 years and their two children. In his spare time, Michael enjoys spending time with his family, following his favorite sports teams, and playing golf.

Adam Abelson is a Series 66-licensed financial advisor with Morgan Stanley in Palm Harbor, Florida, where he has worked since 2015. He has ten years of industry experience and serves on the investment committees of both Ruth Eckerd Hall and Temple Ahavat Shalom. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and a comprehensive process to support client financial strategies.

Justin Granit is a CFP® professional with five years of industry experience, currently advising at Raymond James & Associates since 2020. Prior to joining Raymond James, he worked for four years at WTSP, Tegna Broadcasting. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning and consulting services supported by a nationwide adviser network.

Jonathan Diamond is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and possessing 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He is based in Wayne, PA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm includes insurance-related vehicles and bank deposit sweep options among its investment offerings, distinguishing its approach within the institutional advisory space.

Mathilda Waren is a financial advisor at LPL Financial with seven years of industry experience. She holds the Series 66 designation and previously worked at Equitable Advisors and Axa Advisors, along with experience in educational and administrative roles. Outside of financial advising, she operated The Grateful Bean Coffee House for two years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research-supported strategies.

Carina Capella is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 17 years of industry experience. She has worked with The Prudential Insurance Company of America and Pruco Securities LLC prior to joining LPL Enterprise. Capella is also active as a financial planner with Clear Path Advisory Group, a DBA for her Prudential business, where she focuses on financial planning, investment management, and insurance products. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolios, third-party asset management, and access to a range of brokerage and insurance products via an integrated platform.

Dennis Briggs is a financial advisor with Raymond James & Associates in Clearwater, FL, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with Raymond James & Associates since 1996. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base that includes individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by affiliated research and model manager options.

Ginger Snyder is a CFP®-credentialed financial advisor with Raymond James & Associates in Tampa, FL, bringing 41 years of industry experience. She has been with Raymond James & Associates since 2007. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research resources.

Theodore Pohl II is a CFP®-certified financial advisor with Morgan Stanley, bringing 31 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2009. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, focusing on financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services including tailored planning and access to various investment products.

S Mark Alton is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds the CFP® and ChFC® designations and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank. Outside of his advisory role, he serves as Dean of Collaboration for the Purposeful Planning Institute and chairs the Synergy Summit, both professional organizations focused on advancing collaboration within the financial planning community. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets with a structured planning process that includes firm-approved tools and modeling techniques.

Crystal Kitchens is a Series 66-licensed financial advisor with Cetera, based in New Port Richey, FL, and has four years of industry experience. She has worked at Cetera Investment Services LLC since 2022 and also has experience at Regions Bank beginning in 2009. Outside of her advisory role, she is connected to ALUMPROS LLC, a construction business fully owned by her spouse. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers diverse investment management options through a multi-manager platform with both discretionary and non-discretionary programs and supports over 10,000 advisors nationwide.

Bethany Gonzalez is a Planning Consultant at Fidelity Investments, a role she has held since 2026. She works with individuals, families, and businesses to develop wealth strategies and assist in making financial decisions. Her professional experience includes positions at Fidelity Investments starting as a Financial Representative in 2023, then as an Investment Consultant from 2024 to 2026. Prior to joining Fidelity, she worked as a Junior Financial Consultant at Florida Financial Advisors from 2022 to 2023.

Andrew Winkler is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2006, Andrew has focused on assisting employers with the design and implementation of 403b and 401(k) retirement plans. His team also provides support on fiduciary best practices, plan design, and participant education. Additionally, Andrew works with individuals on developing wealth management strategies, providing investment advice, and guiding wealth transfer planning for multigenerational families. As of August 2026, the Cliborne Winkler & Associates team oversees approximately $770 million in assets and serves over 100 employer-sponsored retirement plan clients. Andrew is registered to practice in 26 states and is appointed with all major security exchanges. Andrew holds multiple professional designations, including Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from Florida State University. His team has been recognized by Forbes as a "Best in State Wealth Management Team" for 2023, 2024, and 2025, and Andrew has been named a "Best in State Wealth Advisor" by Forbes from 2022 through 2025. In addition to his professional work, Andrew is actively involved in his community. He serves as a board member for Man Up, which advocates for improvements in the foster care system and supports fatherless children, as well as the Clearwater Regional Chamber of Commerce, the Foundation of St. Petersburg College, and Leadership Pinellas. He has also served as past Vice Chairman of Success for Kids & Families in Tampa, Florida, and participates on the Planned Giving Committee for the Pinellas County Education Foundation. Andrew resides in Clearwater, Florida.

Andrew Anderson is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes roles at Fisher Investments, Fidelity Investments, and The Vanguard Group. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and a range of program structures.

Roy Niggebrugge is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His career includes roles at National Securities Corporation and Gilman & Ciocia, with his current position at Cetera starting in 2020. Outside of his advisory work, he owns and operates a food truck business and manages a CPA and wealth management firm. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a wide range of discretionary and non-discretionary investment programs, managing over $256 billion in assets across more than 10,000 advisors.