Robert Woolf is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and UBS Financial Services. Woolf is currently based in Marco Island, FL. Morgan Stanley Wealth Management delivers a wide range of advisory programs to both individual and institutional clients, emphasizing structured financial planning and comprehensive investment services.

Craig Couture is a financial advisor with Cetera who holds a Series 63 designation and has 27 years of industry experience. He has worked at various firms including Avantax and Aksala Wealth Advisors and operates his own tax preparation and accounting business. Couture also serves as a fiduciary trustee managing investment activities and tax-related responsibilities for multiple beneficiaries. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, including access to third-party money managers and model portfolios within a multi-manager platform.

Patrick Mc Namara is a financial advisor with Morgan Stanley in Marco Island, FL, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. Outside of finance, he is a passive investor owner of a liquor license associated with a restaurant/bar/nightclub in Cedar Grove, New Jersey. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by firm-approved tools and modeling techniques.

Vance Neal is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. He has been with Linsco/Private Ledger Corp., now part of LPL Financial, since 1995. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, and third-party asset management, supported by technology tools and a broad network of over 22,800 advisors.

Thomas Bishop is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 34 years of industry experience. He previously worked at UBS Financial Services Inc for 14 years before joining Wells Fargo Clearing in 2024. Outside of his advisory role, he serves on the board of directors for the Kinnelon Ice Hockey Club, where he also coaches and organizes a summer camp. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Keith Embree is a CFP® with 10 years of industry experience, currently affiliated with Raymond James & Associates. His prior roles include positions at Mercer Global Advisors Inc. and Family Wealth Planning Group. Outside of his advisory work, he owns a single-family rental property in Tampa, Florida. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning and investment consulting through various programs and provides municipal advisory services alongside market-making and execution roles in municipal and government bonds.

Kennedy Sherles is a financial advisor with J.P. Morgan Securities and holds the Series 66 designation. He has 18 years of industry experience, including roles at Morgan Stanley and JPMorgan Chase Bank. Sherles has been with J.P. Morgan Securities since 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Paul Kassolis is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at Wells Fargo Bank N.A. since 2003 and joined Wells Fargo Clearing in 2016, following a brief tenure at Ameriprise. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

John Lembeck is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 31 years of experience specializing in retirement planning, wealth building, and asset preservation. John focuses on customized financial planning for public and private companies, corporate executives, and high-net-worth families, designing, implementing, and tracking strategies tailored to each client’s specific needs. John holds several professional designations, including Certified 401(k) Professional (C(k)P®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a High School Diploma from Rumson Fair Haven Regional High School and attended Brookdale Community College and the University of South Florida without obtaining a degree. Outside of his professional career, John pursues his interest in skiing, having traveled extensively to engage in the sport. During warmer months, he enjoys boating. He lives with his wife Linda and their three children, Johnny, Stephanie, and David.

Coleen Hodsdon is a financial advisor at Ameriprise with 10 years of industry experience and holds the Series 66 designation. She previously worked at Morgan Stanley Smith Barney LLC for 10 years before joining Ameriprise, where she has been since 2017. Hodsdon serves on the Board of Directors of Caxambas Miracles Forum in Marco Island, Florida. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies, using data-driven analysis and working within a defined investment universe.

Charles May is a Certified Financial Planner® at UBS Financial Services with 22 years of industry experience. He has held positions at UBS and Wells Fargo Clearing Services, among other firms. He serves as a board member of the Nevis Condominium Association in Miami, FL. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services that include financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client strategies.

Leta Davis is a financial advisor with Morgan Stanley in Marco Island, FL, holding Series 63 and Series 65 licenses and 33 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers services that include financial planning and investment management across various client segments.

Raymond Piccione is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, N.A. since 2015. He serves as a trustee in a trust-related capacity outside of his advisory role. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers a structured planning process supported by firm-approved tools and strategies.

Dana Messina is a financial advisor at Ameriprise with 23 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and its affiliated entities from 2007 to 2017 before joining Ameriprise in 2017. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, written recommendation reports through a centralized consulting team.

William Hudson is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Wells Fargo entities since 2001. Hudson also serves as a trustee for a family trust. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients, supported by extensive research and a broad range of brokerage and advisory solutions.

Tyler Canady is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017. Prior to his financial services career, he was involved with Marco Island Watersports, Inc. and operates an education-related business as a sole proprietor outside of his advisory work. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and various investment programs to serve a broad client base.

Daniel O'Dowd is a financial advisor with Ameriprise in Naples, FL, holding Series 63 and Series 66 credentials and 26 years of industry experience. His career includes roles at JP Morgan Securities Inc. for 17 years and Stifel Nicolaus & Co Inc. for 3 years prior to joining Ameriprise. He is also involved in independent insurance brokering, specializing in term life insurance with AIG. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, utilizing a centralized team that provides non-discretionary, research-driven recommendations combining modeling and tax-efficiency analysis. The firm integrates advisory, brokerage, and insurance solutions with a focus on managed accounts and employs algorithmic automation under oversight to support its retirement planning approach.

Paul Klosterman is a financial advisor at Osaic with 36 years of industry experience. He holds the Series 63 and Series 65 designations and has worked previously at Securities America Advisors, Inc. and Signator Investors, Inc. Outside of his advisory role, he is involved in insurance advising and manages lease agreements as a landlord for rental properties. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization supported by various analytical tools and multiple custodial and program arrangements.

Alnaldo Gutierrez is a financial advisor with Merrill in Marco Island, FL, holding a Series 66 designation and four years of industry experience. He has worked at Bank of America and its affiliates since 2009. Outside of finance, Gutierrez is an artist who creates commissioned artwork and is developing a notes and planner product featuring daily Bible verses. He also pursues car building and racing as a personal hobby. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Todd Rinderer is a financial advisor at Stifel with 38 years of industry experience. He has held Series 63 and Series 65 credentials and has been with Stifel since 1995. Stifel serves a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, utilizing forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.