Susan Ramsey is a financial advisor with Stifel in Clearwater, FL, holding Series 63 and Series 65 licenses and 24 years of industry experience. She has worked at Stifel Nicolaus & Co Inc since 2017, following prior roles at Wells Fargo Clearing and WELLS FARGO Advisors. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach is supported by proprietary methodologies from its Investment Strategy Group, which provide asset allocation and planning analyses used as a basis for client decisions.

John Hoke is a financial advisor with LPL Financial in St. Petersburg, FL, holding a Series 66 designation and four years of industry experience. He previously worked at Raymond James and CPS Investment Advisors. In addition to his advisory career, he serves as a 1st Lieutenant in the Army Reserves. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Phillip Watkins is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior positions include roles at Morgan Stanley and E*TRADE Securities. 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, non-discretionary investment consulting, and institutional fiduciary solutions.

Elizabeth Emmons is a financial advisor with Raymond James Financial in St. Petersburg, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Raymond James Financial Services, Inc. since 2010. 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, pension plans, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and consulting approaches that utilize risk profiling and analytical modeling to support client goals.

Kristine Bergin is a financial advisor with Raymond James Financial Services Advisors Inc. She holds Series 63 and Series 66 designations and has 28 years of industry experience. Her work history includes nine years at Raymond James and four years at GF Investments/Global Financial Private Capital, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers specialized services including municipal advisory work and SIMPLE IRA Employer Advisory & Consulting Services.

Thomas Berry is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 66 designation and has worked at various firms, including Longview Wealth Advisors, Waddell & Reed, and his own entities, The Berry Group and Berry Insurance, LLC. Berry has been involved in investment-related insurance services and wealth advisory businesses throughout his career. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management alongside various model portfolios and research resources.

Mark Abbott is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 22 years of industry experience. He has worked with Raymond James Financial, Inc. and Raymond James & Associates since 2003. 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, high-net-worth clients, institutions, and municipal entities, providing financial planning, non-discretionary investment consulting, and municipal advisory services.

William Brooks is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he serves as a relationship manager for high net worth clients and corporations, with a focus on private banking, investments, banking, and lending issues. William has over 22 years of experience in the financial services industry, having begun his career in 1992. He holds a bachelor's degree from Florida State University and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). William was named to the 2023 Forbes “Best-in-State Wealth Management Teams” list as a member of the Cotton, Brooks and Associates team. William is a lifetime resident of Pinellas County. Outside of his professional work, his personal interests include boating, fishing, and running.

Trevor Bennett is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Raymond James & Associates. His career includes roles at Fisher Investments, Bank of America, Merrill, and AXA Advisors. He is also the CEO and partner of TradeWorks AI, a business focused on product development and marketing. 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, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a variety of portfolio management styles and affiliated research.

Glenn Hudson is a financial advisor at Raymond James & Associates with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James since 1995. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

John Bowman is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding Series 63 and Series 65 credentials with 32 years of industry experience. His career includes long-term roles at Raymond James Financial Services, Inc. and related entities, and past leadership positions at JWB Holdings LLC and Southern Heritage Firearms, LLC. He serves as a senior case administrator on a FINRA arbitration panel and acts as an executor for several estates. 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, and charitable organizations—and provides tailored financial planning, non-discretionary investment consulting, and institutional consulting services.

Liane Hansen is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 30 years of industry experience. Her career includes tenure at BB&T Investments and Truist Advisory Services prior to joining Fidelity. Strategic Advisers LLC, part of Fidelity Investments, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various platforms.

Francis Godbold is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 63 designation and over 56 years of industry experience. He has been with Raymond James & Associates for 54 years. Outside of his advisory role, he serves on the investment committee of the First Presbyterian Church and is the founder and CEO of the Godbold Foundation, where he manages the foundation’s investment portfolio and oversees charitable distributions. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a wide range of clients, including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services with a variety of portfolio management styles supported by affiliated research and model managers.

Bryan Beatty is a CFP® professional affiliated with LPL Financial, with 14 years of experience in the financial industry. He previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Bryan is based in Palm Harbor, FL. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services supported by LPL Research and third-party subadvisors.

Cynthia Watson is a financial advisor with Morgan Stanley in St. Petersburg, FL, holding Series 66 and Series 63 licenses and 16 years of industry experience. She has been with Morgan Stanley Smith Barney since 2005. Outside of her advisory role, she is an authorized seller of Pura Vida jewelry, conducting sales primarily online during non-business hours. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling.

Adam Wides is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Kimberly Schiavo is a financial advisor at OSAIC with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Investacorp, Inc. for 25 years and Securities America for four years. In addition to her advisory role, she is engaged in life and health insurance sales, including Medicare, averaging about 10 hours per month. OSAIC serves a broad mix of retail and institutional clients through a large network of financial advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports both discretionary and non-discretionary account management.

Evan Eastman is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 15 years of industry experience. He serves business owners, executives, and high net worth families by providing wealth management strategies that include portfolio management, wealth transfer and allocation, retirement and estate planning, personal banking services through Bank of America, and concentrated stock risk management. Evan and his team focus on delivering customized strategies and personal attention to clients with significant wealth, leveraging their combined experience of over 55 years in the financial markets. Evan holds multiple professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from the University of South Florida and completed an Accredited Certificate Program at Yale School of Management. His approach involves staying informed about new strategies, tax laws, regulations, and market conditions to provide innovative and sophisticated financial solutions. In addition to his professional pursuits, Evan is involved in various organizations such as the Jaguar Clubs of North America, Kiwanis Club of Largo/Mid-Pinellas, Rotary Club of Clearwater, and Toastmasters International. He also volunteers with community organizations including the American Heart Association, Habitat for Humanity, Keep Tampa Bay Beautiful, and the Salvation Army. Outside of work, he enjoys boating, cooking, dancing, music, singing, reading, swimming, traveling, watching movies, and spending time with his family.

Forrest Barr is a financial advisor with Ameriprise in Largo, FL, holding a Series 66 designation and 18 years of industry experience. Prior to joining Ameriprise in 2020, he held roles at multiple firms including U S Employees Benefits Service Group, Retirement Planning Associates, and Bencor. He also serves as a servicing agent for a prior insurance policy outside of his advisory work. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research and modeling with tax-efficient strategies to deliver tailored, non-discretionary recommendations. The firm offers a broad array of advisory, brokerage, and insurance solutions through affiliated entities.

Carter Hansen is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has been with Fidelity Investments since 2010, progressing through various roles including Financial Consultant, Investment Consultant, Investment Solutions Representative, Premium Relationship Associate, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Services Representative at Wells Fargo Investments from 2008 to 2009 and at Etrade Securities from 2006 to 2008. Throughout his career, Carter has focused on assisting clients in creating financial plans based on their individual needs and goals, utilizing solid financial practices and resources. He emphasizes open and honest communication and aims to build trust with clients at every step. His experience spans financial consulting, investment advising, and relationship management within the financial services industry.