Lindsey McCarthy is a Financial Consultant at Fidelity Investments, a role she has held since 2024. She has been with Fidelity Investments in various capacities since 2008, including positions as Investment Solutions Consultant - Insurance, Financial Consultant, Central Relationship Manager, Prime Services Manager, Prime Services Senior Associate, and Prime Services Associate. Prior to her tenure at Fidelity, Lindsey worked as an Equity Trader at Timucuan Asset Management from 2016 to 2019. Lindsey's professional focus is on empowering individuals and families to achieve financial security and independence through personalized financial planning. She employs a holistic approach that supports families at various life stages, encompassing education planning, retirement, and legacy building. She holds insurance licenses in Arkansas and California. Outside her professional career, Lindsey's personal interests include fitness, golf, horseback riding, Pilates, and yoga.

Christopher Garcia is a financial advisor with Morgan Stanley in Sarasota, FL, holding a Series 66 designation and 12 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services supported by structured discovery processes and advanced modeling tools.

Stephen Wanvig is a financial advisor with Wells Fargo Advisors in Venice, FL, holding CFP® and Series 63 credentials and bringing 34 years of industry experience. He has been with Wells Fargo Advisors since 2013. Outside of his advisory work, he serves as vice president of the South Creek Homeowners Association and is involved in community beautification efforts. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser providing investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad planning menu, including specialized services such as business-owner transition and special-needs planning, using proprietary research and planning tools to develop tailored recommendations.

David Russo is a financial advisor with OSAIC in Venice, Florida, holding Series 63 and Series 66 designations and over 30 years of industry experience. He previously worked at Woodbury Financial Services and Questar Capital Corporation. Outside of his advisory role, he occasionally engages in life insurance and fixed annuities business through Royal Palm Financial. OSAIC Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporations. The firm offers a range of brokerage and advisory services with an investment process centered on model-based asset allocation, portfolio optimization, and multiple program options delivered through its extensive affiliate network.

Taylor Alt is a financial advisor at Cambridge Investment Research Advisors with a Series 65 designation 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 entrepreneurial ventures through Double Stag, LLC. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and offers both discretionary and non-discretionary management across multiple platforms.

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.

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 and its private bank since 2016 and 2017, respectively. Outside of her advisory role, Rochelle is involved as an employee in the fitness business Pure Barre Sarasota and works as an independent stylist. Morgan Stanley Wealth Management provides a wide range of advisory services to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages substantial client assets and offers both direct and employer-sponsored financial planning programs.

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 with credentials including Series 65 and Series 63 and four years of industry experience. His work history includes roles at Ameriprise since 2020, prior experience at Northwood University, and several years with Gardner & Gardner Insurance Co. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies for clients near or in retirement.

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.