Javier Pascual Imbert is a financial advisor with Cetera based in Springhill, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Cetera and affiliated entities since 2018 and previously worked at Aegis Capital Corp from 2013 to 2017. 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 a range of portfolio management and consulting services, supported by a large network of independent advisors and over $256 billion in assets under management.

Amy May Richards is a financial advisor with UBS Financial Services in Weeki Wachee, Florida. She holds Series 63 and Series 65 designations and has 25 years of industry experience. Prior to joining UBS in 2018, she worked at Ameriprise Financial Services from 2016 to 2018. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor investment plans according to clients’ goals and risk tolerances.

Dana Stegman is a financial advisor at Edward Jones with 31 years of industry experience. He has held Series 63 and Series 66 licenses and has been with Edward Jones since 1993. Based in Weeki Wachee, FL, his long tenure at the firm reflects a stable career in wealth management. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

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 with Osaic Wealth, Inc. holding Series 63 and Series 66 licenses and has 37 years of industry experience. Before joining Osaic in 2025, he worked for Lincoln Financial Securities Corporation for 17 years and has operated Legner Financial Group since 2001. He is also involved in tax preparation through his ownership of Legner Financial Group and holds roles as a notary public and annuities agent. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers brokerage and advisory services with a focus on integrated financial planning and managed accounts using diverse investment strategies and tools.

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.

James Reilly is a financial advisor at Edward Jones in Hudson, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he spent 18 years with the Clearwater Police Department. 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 large network of financial advisors and branch offices nationwide.

Steve Silver is a financial advisor at Fidelity with 31 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at Morgan Stanley, Charles Schwab, and Wells Fargo. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary research with quantitative analysis and systematic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios built from mutual funds, ETFs, and ETPs.

Giovanni Ramirez Congiusto is a financial advisor at LPL Financial with seven years of industry experience. He holds the Series 66 designation and has worked with CUNA Brokerage Services and Suncoast Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Scott Pugan is a CFP® with 38 years of industry experience, currently affiliated with Raymond James & Associates. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 14 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional investors, and municipal entities, offering financial planning and consulting with mainly non-discretionary relationships supported by diverse portfolio management styles and affiliated research.

Charles Hickman is a Series 66-licensed financial advisor with Merrill, where he has worked since 2022. He has three years of industry experience and previously spent eight years at the Department of Highway Safety and Motor Vehicles. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lori Abbazia is a financial advisor with Raymond James Financial, holding Series 66 and Series 63 credentials and bringing 31 years of industry experience. Her previous roles include positions at JPMorgan Securities, JPMorgan Chase Bank, and David Lerner Associates. Outside of her financial career, she owns a small craft business called Color Pop by Loribop! on Etsy. 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, and institutional investors. The firm offers tailored, non-discretionary planning and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Wendy Woods is a CFP® professional with 12 years of industry experience, currently serving at Edward Jones since 2013. Based in Fort Collins, CO, she has been involved with Bikram Yoga Fort Collins since 2005. Edward Jones is a full-service wealth management firm serving over four million clients across individual and institutional segments, with approximately $1.01 trillion in assets under management and a nationwide network of more than 23,000 advisors. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Robert Hall is a financial advisor with Merrill, holding a Series 66 designation and bringing 14 years of industry experience. His career includes roles at Bank of America, Pinnacle Financial Services, and United Health Group. Outside of advisory work, he assists with business documents and taxes through Robert Hall Enterprises and acts as an independent agent providing Medicare and debt reduction services. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Steven Griffith is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2013, initially working in Jacksonville where he focused on educating clients and assisting with their 401(k) plans. In 2015, he relocated to the Citrus/Hernando County area to join a team dedicated to helping clients implement comprehensive financial plans. Steven's areas of expertise include family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds a Bachelor's Degree from the University of Florida and has earned professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He is fluent in both English and Russian. Outside of his professional role, Steven is involved in the automotive community in Citrus and Hernando Counties and participates in automotive events across Florida. He enjoys outdoor activities such as biking, boating, camping, fishing, football, golfing, and hunting. Steven and his wife are raising three active boys and support the Florida Gators.

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. She collaborates closely with a senior advisor to provide personalized financial guidance supported by the resources of Merrill and Bank of America. Her professional focus includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, women and wealth, individual and corporate investment strategy, and retirement income. Katie holds a Bachelor's Degree from the University of South Florida and has earned the Personal Investment Advisor (PIA) designation. She is a member of the Greater Pasco Chamber of Commerce and contributes to her community through involvement with the Messengers of Hope Food Pantry. Katie communicates fluently in English and American Sign Language (ASL). Her practice centers on building trusted, long-term relationships and serving as a resource for clients' financial education and freedom. Outside of work, Katie enjoys activities such as billiards, camping, chess, cooking, hiking, music, pickleball, spending time with her 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.