Matthew Fernandez is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 14 years of industry experience. He has been with Raymond James & Associates in various roles since 2011. Fernandez serves as Treasurer and a board member of Lighthouse for the Blind and Low Vision, where he participates in financial and investment discussions. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and charitable organizations. The firm offers financial planning, investment consulting, and institutional fiduciary services, employing a range of portfolio management styles and proprietary research.

John Legner Sr. is a financial advisor at OSAIC with 37 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Lincoln Financial Securities Corporation for 17 years. In addition to his advisory role, he owns Legner Financial Group, where he prepares income tax returns seasonally. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm uses a model-based investment process with various customizable strategies and maintains a complex affiliate network and multiple custodial arrangements.

Brian Karahalios is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Florida Premier FC, PNC Investments, and BBVA Securities. Raymond James & Associates is a large 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 municipal advisory services through a broad national adviser network.

Steve Silver is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. His career includes roles at Morgan Stanley, Charles Schwab, Wells Fargo, and multiple tenures at Fidelity. Fidelity’s Strategic Advisers LLC, where Silver works, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Giovanni Ramirez Congiusto is a financial advisor at LPL Financial with eight years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2022. His prior experience includes roles at CUNA Brokerage Services and Suncoast Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing multiple portfolio strategies and advisor support tools.

Scott Pugan is a CFP® with 39 years of experience in the financial services industry. He is currently with Raymond James & Associates and has held prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. His career includes over seven years at Wells Fargo Clearing and five years at A. G. Edwards. 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, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Charles Hickman is a Client Experience Advisor at Merrill Lynch Wealth Management. In his role, he works directly with clients to understand their current financial situations and presents solutions offered through Merrill and Bank of America. His approach involves helping clients identify what matters to them and their families, assisting in the creation of strategies to pursue their financial goals. He holds the designation of Personal Investment Advisor (PIA). Charles completed his high school education at Sandalwood High School.

Lori Abbazia is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 credentials and has 31 years of industry experience. She previously worked at JPMorgan Securities and David Lerner Associates. Outside of finance, she owns a small craft business, Color Pop by Loribop!, which operates on weekends. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers unique municipal advisory services and SIMPLE IRA employer consulting programs.

Nicole Law is a Series 66-licensed financial advisor at Ameriprise with 13 years of industry experience. She has worked at Ameriprise since 2018 and previously spent five years at Federated investment Counseling and its affiliated firms. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Brian Webb is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and 29 years of industry experience. His prior work includes roles at Edward Jones, LPL Financial, and Infinex Investments. He is based in Spring Hill, FL. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

John McCullough is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients primarily in Citrus County, Hernando County, Pasco County, Polk County, Hillsborough County, and Pinellas County in Florida. He has been in the financial services industry since 1995 and joined Merrill Lynch in 2006. John holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). John earned a Bachelor of Science degree in Finance from Florida State University in 1990 and a High School Diploma from Northeast High School in St. Petersburg, Florida. His areas of expertise include retirement income planning strategies, 401(k), Defined Benefit Pension and Cash Balance Retirement Plans for corporations, business owners, corporate executives, retirees, and their families. He provides personalized financial strategies based on clients' risk tolerance, time horizon, liquidity needs, and investment goals, and offers services such as wealth outlook strategies, investment advice, estate coordination, legacy implementation, and personalized income strategies. Residing on the Nature Coast of Florida, John is a parent of two grown daughters. Outside of his professional work, he enjoys outdoor activities including biking, boating, camping, fishing, hiking, hunting, swimming, and traveling. He also has an interest in cooking and values spending time with his family.

Natalia Davis is a financial advisor at Fidelity with seven years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill, Equitable Advisors, and AXA Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, manages fund advisory relationships, and is noted for its use of AI-driven research and its role as a commodity pool operator.

Katie King is a Financial Advisor on the Brander Team at Merrill Lynch Wealth Management, where she collaborates closely with a senior advisor who holds a CFP® certification. In her role, she utilizes the combined expertise and resources of Merrill Lynch and Bank of America to provide personalized financial strategies tailored to each client's specific goals. Her practice focuses on empowering individuals, families, and businesses to make informed financial decisions, with a particular emphasis on supporting women in finance. Katie's areas of expertise include family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, and retirement income. Katie holds a Bachelor's Degree from the University of South Florida and is a Personal Investment Advisor (PIA). She communicates in both English and American Sign Language (ASL). She is involved in the Greater Pasco Chamber of Commerce and contributes to community efforts through the Messengers of Hope Food Pantry. Her personal interests include billiards, camping, chess, cooking, hiking, music, pickleball, spending time with family, traveling, and watching movies.

Kelly Beier is a financial advisor at Raymond James & Associates with three years of industry experience. Prior to joining Raymond James, Beier worked for ten years at Ardagh Group. 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, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Leah Hall is a financial advisor at Vanguard Advisers with six years of industry experience. She holds the Series 66 designation and has worked at firms including Fisher Investments and Morgan Stanley. Outside of finance, her background includes roles in performing arts and marketing. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, primarily serving retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and constructs portfolios mainly from Vanguard funds and ETFs.

Anna Swartz is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and previously worked for Regions Bank for eight years. Swartz also served at Pasco Hernando State College for over a decade. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 advisors, offering both discretionary and non-discretionary strategies under a fiduciary standard.

Broc Valdez is a financial advisor with Edward Jones in Brooksville, FL, holding a Series 66 credential and one year of industry experience. Prior to joining Edward Jones, he held roles at Technical Pump, Sams Club, Southern Hills Plantation Club, and M&C Fence. He serves as the finance chair for the Kiwanis Club in Brooksville and is a silent partner in a pressure washing business based in Leesburg, FL. Edward Jones is a full-service wealth management firm serving a broad client base that includes individual and institutional investors. The firm offers a range of advisory programs and investment options, supported by a large network of advisors and branch offices nationwide.

Joel Post is a financial advisor with Ameriprise in Brooksville, FL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2015, including American Enterprise Investment Services Inc. since 2021. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, delivering detailed recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support clients approaching or in retirement.

Kyle Benitez is a Financial Advisor at Merrill Lynch Wealth Management. He works with families, professionals, and business owners to develop personalized financial strategies aimed at growing, protecting, and transferring wealth. Kyle focuses on building long-term relationships and serving as a trusted resource as clients navigate significant financial decisions. He specializes in areas including college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, special needs planning strategies, sports and entertainment, and retirement income. Kyle emphasizes understanding his clients' priorities by helping them identify their goals and guiding them on a suitable pathway to achieve them. His approach includes providing ongoing advice and guidance as clients' needs evolve. Kyle holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He completed his high school education at Gateway High School. Outside of his professional work, he enjoys activities such as cooking, drawing and sketching, music, pottery, spending time with his family, and watching movies.

Brittney Mc Auley is a financial advisor at Edward Jones with three years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2022. Prior to her current role, she was employed by Hernando County Schools and Methodist School Center. She is also listed as a manager of record for a family-owned construction business in Brooksville, FL. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.