Thomas Dowd is a financial advisor with Wells Fargo Clearing in Sarasota, FL, holding Series 66 and Series 63 licenses and 27 years of industry experience. His prior roles include positions at LPL Financial, CUNA Brokerage Services, and CUNA Mutual Group. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a research-driven approach and offers a range of brokerage and advisory solutions supported by extensive resources and analytics.

Alison Gardner is a financial advisor with MassMutual Investors Services and holds the Series 63 and Series 65 credentials. She has 41 years of industry experience, including prior roles at City National Bank, RBC Capital Markets, and Morgan Stanley. Gardner serves on the Investment Committee for the Sarasota Ballet. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software tools to analyze client goals and delivers written recommendations through annual, collaborative planning relationships.

Kaitlin Yelle is a financial advisor with Morgan Stanley in Sarasota, FL, holding a Series 66 designation and seven years of industry experience. She has previously worked at City National Bank and RBC Capital Markets, LLC, and currently serves on the Finance and Investment Committees of Embracing Our Differences, a Sarasota-based nonprofit focused on children and youth education. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers diverse services such as estate planning and corporate financial planning agreements.

Zoe Powell is a financial advisor with Charles Schwab, holding a Series 66 designation and three years of industry experience. She has been with Charles Schwab and its related entities since 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services. The firm provides clients with both non-discretionary investment guidance and access to discretionary separate managed accounts, utilizing multi-asset model portfolios and alternative investment options through a centralized operational structure.

Stephen Mc Leod is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Charles Schwab in various capacities since 1997, with additional experience at LPL Financial, VimVest Securities, ViewTrade Securities, and Wall Capital Group. 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 both non-discretionary and discretionary investment management, combining multi-asset model portfolios with centralized custody and operational support across a large client base.

Tod Lebeda is a CFP®-credentialed financial advisor with eight years of industry experience. He is currently with J.P. Morgan Securities in Bradenton, FL, and has held prior roles with JPMorgan Chase Bank, Charles Schwab, and One Sycamore Capital. Outside of finance, he worked for three years at Complete Outdoor Equipment. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized manager due diligence and applies an ESG eligibility framework in its recommendations.

Silvia Marceleno is a financial advisor with Cambridge Investment Research Advisors, holding a Series 65 credential and three years of industry experience. Prior to joining Cambridge in 2023, she was self-employed for one year and has worked in various roles outside finance, including in dentistry and wellness services. Marceleno also operates as an independent insurance agent for multiple insurance companies. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory through a large network of independent financial professionals. The firm provides a range of investment strategies and platforms, combining proprietary models with access to unaffiliated strategists, along with institutional features such as advisor transition support and compliance oversight.

Jason Hulst is a financial advisor with LPL Financial in Bradenton, FL, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His previous work includes roles at World Equity Group and the ongoing operation of CWA Accounting, Inc., where he is involved in tax preparation and accounting services. Outside of his advisory work, he has longstanding involvement in real estate as owner of Prairieland Homes, LLC, and as a real estate broker with Charles Rutenberg Realty of Illinois. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios, including discretionary and non-discretionary management options.

Lynn Friend is a financial advisor at Stifel with 40 years of industry experience. He has been with Stifel Nicolaus & Co., Inc. since 2004. Outside of his advisory role, Lynn works as a key carrier and managing store employee at TJ Maxx in Sarasota, FL, and holds a Florida notary commission. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Kemraj Dubbra is a financial advisor with J.P. Morgan Securities who holds a Series 66 designation and has nine years of industry experience. His career includes roles at Fidelity Investments, Bank of America, Merrill Lynch, Santander, and JPMorgan Chase. Outside of financial advising, he owns and manages four rental properties. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Trent Cowieson is a Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Trent earned his Bachelor's Degree from Florida Gulf Coast University.

Nicholas Comella is a Financial Advisor with Merrill Lynch Wealth Management. He works with retirees, pre-retirees, business owners, and professionals to address various aspects of their financial lives. His areas of expertise include retirement planning, retirement income strategies, business succession planning, estate and legacy planning, cash flow management, education planning, and long-term wealth management. Nicholas holds a Bachelor's Degree from Stonehill College and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He emphasizes building relationships based on trust and communication to help clients bring clarity and organization to their financial decisions. Outside of his professional work, Nicholas is involved with Special Olympics. He engages in personal interests such as basketball, bowling, football, golfing, and watching movies.

Richard Caiazzo is a CFP® professional with 21 years of experience in the financial services industry. He is currently affiliated with Mass Mutual Investors Services, where he has worked since 2017, and has prior experience at METLIFE Securities Inc. Caiazzo holds an outside insurance sales position in which he sells various insurance products, including dental, group disability income, life, accident and health, long-term care, disability, fixed annuities, and property and casualty insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Tracy Woodin is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley and its predecessor, Morgan Stanley Smith Barney, since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process that incorporates firm-approved tools and market-based modeling techniques.

Judith Schwartzbaum is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 credentials and over 40 years of industry experience. She has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following a prior tenure at Citigroup Global Markets beginning in 1995. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved tools and a structured planning process.

Sherry Hernandez is a financial advisor at Raymond James Financial with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Raymond James in various capacities since 2011. Outside of advising, she works as a registered assistant with Main Street Financial Group in Sarasota, FL. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting, employing analytical tools such as risk profiling and probability modeling to support client goals.

Marco Herrera is a financial advisor at Fidelity with Series 66 and Series 63 licenses and five years of industry experience. His prior roles include positions at Pershing Advisor Solutions, Charles Schwab & Co., Inc., and Insight Global LLC. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios including mutual funds, ETFs, and ETPs.

Anastasiya Rybak is Vice President and Branch Leader at Fidelity Investments, a position she has held since 2024. In this role, she coaches and mentors associates in their professional development and career growth, fostering a culture of trust and support to help clients pursue their goals. Anastasiya's career at Fidelity Investments began in 2018, where she has held several roles including Assistant Branch Leader, Financial Consultant I, Planning Consultant, Relationship Manager, and Financial Representative. Before joining Fidelity, Anastasiya worked at Global Financial Private Capital as a Compliance Officer from 2016 to 2018 and as a Broker Dealer Home Office Representative from 2015 to 2016. Her extensive experience spans compliance, client relationship management, and financial consulting. Outside of her professional responsibilities, Anastasiya enjoys camping, fitness, gardening, visiting museums, running, and spending time with pets.

Paige Woodlock is a financial advisor with Fidelity, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity Investments, she was a PGA Tour Professional from 2019 to 2024. Fidelity’s affiliate, Strategic Advisers LLC, serves retail and institutional clients with investment management and advisory services that combine fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs. The firm also employs algorithmic and AI-driven methodologies and acts as an advisor to multiple registered investment companies and fund-of-funds.

Lisa Turner is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors from 2013 to 2016. 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 solutions. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.