Diane Whitt is a financial advisor at LPL Financial with 27 years of industry experience. She holds a Series 66 designation and has worked at LPL Financial since 2016. Prior to that, she was with VOYA Financial Advisors and has been associated with Alliance Financial Partners, Inc. since 2013. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs and retirement plan consulting, utilizing model portfolios, third-party research, and technology-driven strategies.

David Duncan is a CFP®-credentialed financial advisor with 43 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors, where he has worked for 15 years. His background includes extensive experience in insurance and wealth preservation, with leadership roles such as CEO of Duncan Financial Group LLC and board memberships at Point Park University, LifeMark Reinsurance Co, and Integrated Health 21. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent financial professionals, employing a range of portfolio management approaches and proprietary as well as third-party strategies.

David Nash is a Series 66-licensed financial advisor with LPL Financial in Flagler Beach, FL, where he has worked since 2016. He has 13 years of industry experience. Outside of his advisory role, Nash is an author and photographer, having published a book titled *The Sheriff, A Pete And Charley Adventure*. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to research and model portfolios.

Samuel Van Allen is a financial advisor at Cambridge Investment Research Advisors with 24 years of industry experience. He holds a Series 66 designation and has worked previously at Westport Resources Investment Services and Wachovia Securities, LLC. Outside of advising, he has served as a teacher for Fairfield Public Schools and held a leadership role as branch president of the Holland Society of New York. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services delivered through a network of independent financial professionals, utilizing a range of portfolio management strategies and platform arrangements.

Edward Herrera is a financial advisor at LPL Financial with nine years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2016, with prior experience at Voya Financial Advisors and Alliance Financial Partners. Outside of advising, he is a fitness instructor at Hammock Beach Resort and a substitute drummer at Parkview Church in Palm Coast, FL. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

William Berezansky is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and bringing two years of industry experience. He previously worked at KPMG for nine years. Berezansky serves as a board member of the Rotary Club of Flagler Beach and volunteers as a mentor for SCORE, assisting small business owners and entrepreneurs. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning without discretionary trading authority and supports combining planning with managed-account programs under a consolidated billing option.

Andrew Guzak is a financial advisor at Edward Jones with 19 years of industry experience. He has been with Edward Jones since 2003 and holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Demers is a financial advisor with Wells Fargo Advisors, holding the Series 63 and Series 66 designations and bringing 27 years of industry experience. He has worked within various Wells Fargo entities since 2009. Outside of his advisory role, he has ownership interests in Integrative Wealth Management, LLC, and Finet. John Demers LLC, businesses related to investment management. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with clients able to choose whether and how to implement recommendations through brokerage or advisory programs.

Delroy Pearson is a Series 66 registered advisor with Merrill in Palm Coast, FL, where he has worked since 2016. He has 10 years of industry experience. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Morell is a CFP® and ChFC® with 11 years of industry experience. He has worked with several firms including Ameriprise, SIMON Markets LLC, Accelerated Wealth Advisors LLC, and Northwestern Mutual. Morell is currently with Ameriprise in Palm Coast, FL. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports and offers a broad range of advisory, brokerage, and insurance solutions.

Jonathan Baety is a financial advisor with Ameriprise in Palm Coast, FL, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 30 years of industry experience, including over a decade at Ameriprise and its affiliated entities. Outside of his advisory role, Baety serves on the boards of All Saints Episcopal Church Vestry and the Financial Planning Association of Central Florida, and coaches middle school boys basketball at St. Charles Borromeo Catholic School. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with substantial investable assets, delivering tailored recommendation reports that incorporate tax-efficient withdrawal strategies and Social Security options. The firm combines algorithm-driven analysis with advisor collaboration and offers a broad range of advisory, brokerage, and insurance solutions.

Kami Zonin is a CFP®-credentialed financial advisor with 25 years of industry experience, currently affiliated with Cetera. Prior to joining Cetera in 2025, she spent over two decades at Avantax in various advisory and insurance roles. She also operates a financial planning practice specializing in assisting clients and attorneys with divorce-related asset division and facilitates a program aimed at financial education for women. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services across multiple program structures and custodians, leveraging affiliated and third-party investment managers.

Gregory Duncan Peters is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. Prior to joining Raymond James in 2024, he worked at Wells Fargo Clearing and Wells Fargo Advisors from 2015 to 2024. Outside of his advisory role, he is co-owner of Minotaur, LLC, a business he operates with his spouse, and serves as acting trustee of a family irrevocable trust. 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, institutions, and municipal entities, offering tailored financial planning and consulting services, supported by a broad range of portfolio management options and affiliated research.

Robert Mastrosimone is a CFP® and ChFC® with 44 years of experience in the financial services industry. He is currently affiliated with Osaic Wealth, Inc. and has previously worked at Securities America Advisors, Inc. and operated Mastro Financial Services. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various asset allocation tools and supports multiple advisory platforms, including third-party managed account solutions.

Kay Smith is a financial advisor with LPL Financial in Palm Coast, FL, holding a Series 66 designation and 16 years of industry experience. She has been with LPL Financial since 2017, with brief periods of unemployment in between. Outside of her advisory work, she is involved in direct sales with Monat Global. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Paul Santos is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and 20 years of industry experience. He has held roles at several firms, including State Farm and Joseph Stone Capital, and currently serves as president of Santos Wealth Management LLC and Santos Group FL LLC. Outside of advisory work, he is involved in managing several insurance agencies and holds part ownership in multiple real estate entities. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers and program options.

Ken Mazzie is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 38 years of industry experience. He has been with Cetera and its affiliated entities since 2025 and previously worked with Avantax Advisory Services and Avantax Insurance Agency for over 20 years. In addition to his advisory role, Mazzie is involved in tax preparation and accounting through his ownership of Mazzie & Co LLC and serves as a trustee for family trusts. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management strategies and program structures, managing over $256 billion in assets across more than 10,000 advisors.

Thomas Ventura is a financial advisor with Thrivent Investment Management, holding Series 63, Series 65, and Series 66 credentials and bringing 23 years of industry experience. He has worked with several firms, including Encompass Investments and Bright Trading. Ventura is also involved in multiple real estate ventures, serving as president for several property management and consulting companies. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial plans without discretionary trading authority. The firm offers these services through a network of financial advisors, combining planning with managed-account options under a consolidated billing program called WealthPlan.

Abigail Santiago Monroe is a financial advisor with Ameriprise in Palm Coast, FL, holding a Series 63 designation and 35 years of industry experience. She has been with Ameriprise and its predecessor entities since 1991. Outside of her advisory role, she serves in fiduciary capacities such as trustee and executor. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendation reports through a centralized consulting team.

Jason Ebding Sr. is a financial advisor with LPL Financial in Palm Coast, FL, holding a Series 66 designation and seven years of industry experience. He previously worked at Bank of America and Merrill from 2009 to 2022. LPL Financial is an 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 through a national network of investment adviser representatives.