Jim Ford is a financial advisor at Edward Jones in Wesley Chapel, FL, holding a Series 66 designation with two years of industry experience. He previously worked at Ritchey Automotive, Benjamin F. Edwards & Company, Wells Fargo Advisors, and Regions Bank. 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 provides a range of discretionary and non-discretionary investment strategies, along with affiliated mutual funds and tax-efficient services.

Doris Muller is a financial advisor with Edward Jones in Oldsmar, Florida, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. Prior to joining Edward Jones in 2018, she worked at several Federated entities, including Federated Global Investment Management Corp and Federated Securities Corp., between 2005 and 2017. Edward Jones is a full-service wealth management firm serving a broad range of individual and institutional clients, offering both discretionary and non-discretionary investment strategies, access to separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Tammy Alumbaugh is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 designations and four years of industry experience. Her work history includes roles at PFS Investments Inc. and Primerica Financial Services since 2021, as well as previous entrepreneurial ventures including managing Soul Cage and Soul Cage Massage for over two decades. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, corporate, and charitable clients. The firm employs model-based investment strategies supported by third-party asset managers and offers oversight through discretionary management and custody services.

Jessica Mc Neil is a financial advisor at Charles Schwab with three years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Members Trust Company, Morgan Stanley, Regions Bank, and Suntrust Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and provides centralized custody, brokerage, and advisory services.

Mary Hayes is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 12 years of industry experience. She previously operated her own business and has worked at Vanleeuwen & Associates LLC. Outside of advisory services, she owns Plan to Save LLC, a support company. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients, using tailored non-discretionary strategies supported by advanced analytical tools.

Curtis Raven is a financial advisor with Cetera, holding a Series 66 credential and 13 years of industry experience. He operates multiple businesses including Raven Law Group PLLC, where he provides legal and tax services as an attorney and CPA, and Generations Tax & Wealth Management, a CPA and wealth management firm. He is also involved in marketing warranty service contracts and merchant service referrals in the Tampa, FL area. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and a multi-manager platform that includes various investment strategies and program structures.

Clint Madden is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. He previously worked at LPL Enterprise, The Prudential Insurance Company of America, and Pruco Securities LLC. Outside of his advisory role, he owns and operates Toned at Home LLC, providing one-on-one personal training focused on strength building and overall health improvement. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Peggy Cozine is a financial advisor with Cetera in Clearwater, FL, holding a Series 66 designation and 24 years of industry experience. She has worked at Cetera and affiliated entities since 2013 and also operates a tax planning and preparation business as an enrolled agent. Her additional activities include involvement in tax services separate from her investment advisory work. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform and supports both discretionary and non-discretionary account management.

Akemi Bove is a Wealth Management Advisor with extensive experience in the financial services industry, having started her career in 1997. She works with a focus on helping clients with areas including college education planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, small business strategies, women and wealth, tax minimization, and retirement income. Akemi's professional expertise includes investment management, retirement planning, concentrated stock strategies, and legacy planning, supporting executives, business owners, families, and divorcees through financial transitions. She holds a Bachelor's degree from Kwansei Gakuin University in Japan and has earned several professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), and Personal Investment Advisor (PIA). Akemi is affiliated with the CFP Board of Standards, Inc. and is fluent in English and Japanese. Committed to community involvement, she has volunteered with Volunteer Way since 2011. She resides in Pasco County with her husband and two daughters. Outside of work, Akemi enjoys cooking, gardening, music, and reading.

Matthew Hetrick is a financial advisor at Cetera with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Morgan Stanley and H. Beck, Inc. He is based in Palm Harbor, FL. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary accounts with over $256 billion in assets under management.

Chad Cooper is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 23 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities Corporation for 14 years. Cooper serves on the boards of the Central Florida Urban League and the Wesley Chapel Black Chamber of Commerce, and he holds leadership roles with NAIFA Florida. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base through thousands of Financial Professionals and a range of platform options.

Matthew Tihanovich is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with several firms including Fidelity, Citizens Securities, Chase Investment Services, Huntington Investment Company, and has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence combining quantitative and qualitative research, and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Sami Sahab is a financial advisor with Edward Jones in Lutz, FL, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Edward Jones in 2025, he worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Co, and has extensive experience from an 18-year tenure at HD Robuck Jr. PA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment advisory services, including discretionary and non-discretionary strategies, and operates under a fiduciary standard with approximately $1.01 trillion in assets under management.

Noel Sherry is a financial advisor with LPL Financial in Dunedin, FL, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He worked at UBS Financial Services for nine years before joining LPL Financial in 2009. Outside of financial advising, he is involved with The Non-Ordinary Therapy Group, which focuses on marriage and family therapy. 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 and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

James Donoghue is a CFP® professional with 22 years of industry experience, currently serving at Ameriprise since 2012. He holds leadership roles outside of advising, including president and CEO of Insights by KJJD, which operates his Ameriprise team office. Donoghue is also involved in community service as a board member of the Clearwater Marine Aquarium and participates on local municipal advisory committees in Dunedin, FL. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored, written recommendations. The firm serves a broad client base with advisory, brokerage, and insurance solutions typical of a large institutional provider.

Jason Espinal is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has previously worked at Merrill, Bank of America N.A., and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include corporate financial planning agreements alongside direct client offerings.

Kevin Mason is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He worked at INVEST Financial Corporation for 20 years before joining LPL Financial in 2018. In addition to his advisory role, Mason owns a tax preparation and accounting firm and operates a consulting business. 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 model portfolios and institutional platforms, supported by a large network of investment adviser representatives.

William Heyser is a financial advisor with Raymond James & Associates possessing 13 years of industry experience. He holds the Series 66 designation and has worked with Raymond James since 2013. Heyser served as a committee member for the Leukemia and Lymphoma Society of the Suncoast from 2013 to 2017. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a broad network of research and portfolio management resources.

Francisco Patino is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing and Wells Fargo Bank since 2017. Prior to that, he was with JP Morgan Securities and JP Morgan Chase Bank from 2013 to 2017 and has operated as a sole proprietor since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Andrea Niggebrugge is a financial advisor with Cetera, holding a Series 66 designation and nine years of industry experience. She has worked at Cetera and affiliated entities since 2020 and previously held roles at National Asset Management and National Securities Corporation. Outside of her advisory work, Niggebrugge is employed part-time with Grahn Brands Cuisine, LLC, a food truck business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to various model portfolios and program structures.