Hope Duryea is a financial advisor with Ameriprise in Spring Hill, FL, holding a Series 66 designation and bringing 26 years of industry experience. She has been with Ameriprise and its related entities since 2005. Outside of her advisory role, she serves as the Chairwoman for Hernando County District 38, where she promotes voting within her district. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and annual retirement income planning focused on dependable income and tax-aware withdrawal strategies.

Timothy Martin is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works directly with clients to identify their financial goals and develop customized portfolio strategies aimed at achieving these objectives. He provides ongoing advisory services, adapting investment plans as clients' personal and financial situations evolve. He brings expertise in areas including family wealth management, managing new wealth, personal retirement planning, small business strategies, sports and entertainment financial matters, tax minimization, and retirement income planning. Timothy holds several professional designations, including Accredited Wealth Management Advisor (AWMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Timothy earned a Bachelor's Degree from Full Sail University. Outside of his professional work, he enjoys golfing, photography, pickleball, spending time with his family, and traveling.

Keith Forrest is a financial advisor with LPL Financial in Spring Hill, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Summit Brokerage Services Inc, Summit Financial Group Inc, and Ameriprise Advisor Services, Inc. Forrest is involved in additional activities related to investment services and non-variable insurance through separate business entities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a large network of investment adviser representatives.

Louis Mitchell is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Valic Financial Advisors and USAA Financial Planning Services. His outside activities include involvement in non-variable insurance sales in addition to his advisory role. 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 financial planning and portfolio management services supported by technology tools and a broad platform that combines advisory and non-advisory financial products.

David Korte is a financial advisor with J.P. Morgan Securities in Brooksville, FL, holding Series 63 and Series 65 designations and 26 years of industry experience. He has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012, following prior roles at Chase Investment Services Corp., Banc One Securities Corporation, Raymond James Financial Services, Inc., and Ameriprise. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors. Their program emphasizes non-discretionary written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and incorporating quantitative and qualitative research.

Judy Armstrong is a financial advisor with LPL Financial based in Brooksville, FL. She holds Series 63 and Series 65 credentials and has 16 years of industry experience. Prior to joining LPL Financial in 2018, she worked at Invest Financial Corporation and Principal Financial Services. Outside of her financial advisory work, Armstrong is involved with Toastmasters International as a volunteer and owns Lipton Design. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management options delivered through a large network of investment adviser representatives.

Brenda Marshall is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities and Jpmorgan Chase Bank since 2021. Prior to this, she spent ten years with Onemain General Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary program emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Veikko Vasara is a financial advisor with Mass Mutual Investors Services holding the ChFC® and Series 63 designations. He has 38 years of industry experience, including nearly three decades at Metlife Securities Inc. and over a decade with MassMutual Life Insurance Company. Vasara also works as an independent insurance agent specializing in a range of insurance products, including dental, disability, life, and long-term care. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a focus on collaborative annual planning engagements that utilize firm-approved software to analyze client goals.

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 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.

Julio Saldana Jr. is an advisor with LPL Financial based in San Antonio, FL, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work experience includes roles at Transamerica Financial Advisors, World Financial Group, the Tampa Police Department, New York City Police Department, and service in the US Army Reserve. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services, utilizing research model portfolios, third-party subadvisors, and technology tools to support advisors.

Shannon Sipes is a CFP® professional with 19 years of experience, currently serving as a financial advisor at Ameriprise since 2020, following 13 years at Ameriprise Financial Services, Inc. She holds a Series 66 license and is based in Hudson, FL. Outside of her advisory role, she is employed by Certainty of the Uncertainty, LLC, an advisor-owned entity established to manage her practice. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement-income planning, utilizing proprietary research and algorithmic tools within a defined investment framework.

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.