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®-certified financial advisor with 10 years of industry experience, currently affiliated with Cetera. His prior roles include positions at Avantax Advisory Services and Kestra Financial Services. He serves as chair of the Planned Giving Advisory Council for the Catholic Foundation of Central Florida, where he organizes educational events for professional advisors. Cetera Investment Advisers LLC is an SEC-registered adviser supporting over 10,000 advisors and 800,000 clients nationwide. The firm offers a range of portfolio management and financial planning services to individuals, retirement plans, corporate and charitable clients, utilizing a multi-manager platform with discretionary and non-discretionary program options.

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.

Jessica Lil Reedman is a financial advisor at Edward Jones in Nokomis, FL, holding a Series 66 designation. She joined Edward Jones in 2026 and has prior experience running Lil Snaps Photography for 14 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Jonathan Knott is a CFP® professional with 17 years of experience, currently affiliated with Raymond James Financial Services Advisors, Inc. since 2013. He has held roles at Four Pillars Financial Planning Group and Venice Wealth Advisors, where he maintains ownership of related non-investment support companies. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using advanced analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

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.

Thomas Hanks is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 65 credential and has one year of industry experience. Prior to joining Raymond James, he was a partner at Young, Hanks & Hanks CPAs PA and has experience with other CPA firms. He serves as chair of the board for the nonprofit Village on the Isle. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm emphasizes tailored planning and consulting using analytical tools and supports municipal and public finance through a unique municipal advisor affiliation.

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 65 and Series 63 licenses and possessing 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, she is involved in fitness as an employee at Pure Barre Sarasota and works as an independent stylist consultant. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a broad range of advisory programs, including tailored financial planning that utilizes firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

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 four years of industry experience. He holds Series 65 and Series 63 credentials and has worked at Ameriprise since 2020. Prior to his advisory role, he was involved with Gardner & Gardner Insurance Co. and Northwood University. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing advice focused on retirement income planning, integrating proprietary research and third-party data.

Randy Seymour is a CFP® with 33 years of industry experience, currently serving as a financial advisor at Stifel since 2020. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Seymour is a board member of the Ebensburg Country Club and serves as secretary of the Young Peoples Community Center, a nonprofit organization focused on recreational fundraising. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services built on proprietary methodology developed by its Investment Strategy Group. The firm provides fee-based financial planning and model allocations intended to support client decision-making.

Michael Robertson is a financial advisor at Raymond James Financial with a Series 65 designation and approximately one year of industry experience. Prior to his advisory role, he worked in education, teaching at both the University of Florida and Liberty University, as well as at Venice High School and Venice Middle School. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers tailored, non-discretionary planning and employs analytical tools such as risk profiling and modeling to support client goals.

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.