Catherine Small is a financial advisor with Ameriprise Financial Services, holding a Series 66 credential and bringing 22 years of industry experience. She has been with Ameriprise since 2009, working through its various entities over that time. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Gerard Kelly III is a financial advisor with Stifel in Clearwater, FL, holding a Series 63 designation and 39 years of industry experience. He has been with Stifel Nicolaus since 2013. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, employing forward-looking capital market assumptions and probabilistic modeling.

Joyce Hoban is a financial advisor with Ameriprise in Palm Harbor, FL, holding Series 63 and Series 65 licenses and having 29 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she owns a management corporation used to pay business expenses related to her practice. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Keyon Smith is a financial advisor at Merrill with 22 years of industry experience. He has worked at Merrill and Bank of America since 2015. Outside of his advisory role, he is involved in an online product sales business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Thomas Kane is a CFP® professional with 27 years of industry experience, currently serving at Raymond James Financial since 2009. He is based in Clearwater, FL, and holds Series 63 and Series 65 licenses. Kane serves as a trustee on the Town of Belleair Police Pension Board, involved in the management and administration of the police pension plan. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports municipal and public finance work through its affiliation with a municipal advisor.

Stacy Obney is a financial advisor at Osaic with 18 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Morgan Stanley and T. Rowe Price Investment Services. Outside of her advisory role, she manages a rental property. Osaic Wealth, Inc. serves a diverse client base including individual investors, institutions, and charitable organizations through a broad network of financial advisers. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and multiple platforms to deliver customized portfolio management.

Darren Brewis is a financial advisor at OSAIC Wealth, Inc. with 30 years of industry experience. He holds Series 65 and Series 66 designations and has worked at OSAIC since 2018, following a 23-year tenure at Signator Investors, Inc. Brewis is also active as President of Platinum Financial Network LLC, a business involved in securities, investment advisory, and insurance services. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services, employing asset-allocation tools and multiple investment platforms to construct portfolios incorporating various asset types, managed on discretionary or non-discretionary bases.

Robert Markovetz Jr. is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at Training Technologies and Support and Logistics & Technology Services. He is involved in sales of investment-related products and receives compensation for referrals connected to home security and automation services. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports account custody through Pershing, with approximately $15.5 billion in assets under management.

Hope Clough is a financial advisor at LPL Financial with 20 years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2022. Prior to that, she was affiliated with Cuna Brokerage Services, Inc. and Suncoast Schools FCU, where she also serves as a financial institution consultant. 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, providing both discretionary and non-discretionary management along with research and model portfolio options.

James Ciocia is a financial advisor at Cetera with 38 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at National Securities Corporation and Gilman & Ciocia Inc. in various roles spanning over four decades. Outside of his advisory work, he owns and operates Generations Tax & Wealth Management, a CPA and wealth management firm, and serves as an insurance agent for Universal Financial Consultants, focusing on fixed life insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Keith Harvey is a CFP® professional with 36 years of industry experience, currently serving at Thrivent Investment Management since 2002. Based in Tampa, FL, he has worked exclusively with Thrivent Financial for Lutherans throughout his career. Outside of his advisory role, he manages personal rental properties. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of Financial Advisors. Their planning approach covers a broad range of financial topics, offering holistic, goal-based analyses and allowing clients to combine planning with managed-account programs under consolidated billing.

Andrew Whitmore is a CFP® professional with 31 years of experience in the financial services industry. He has been with Ameriprise since 2009 and currently manages his practice through a legal entity he established for administrative purposes. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, providing detailed written recommendations that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

William Steves is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and possessing 42 years of industry experience. He has been with Osaic since 2023 and previously worked at Sagepoint Financial, Inc. since 2009. Steves is also the president and owner of Steves Investment Management, Inc., a business entity maintained for tax purposes. Osaic Wealth, Inc. serves a diverse clientele including retail and institutional investors such as high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing firm-provided asset allocation tools and third-party platforms to construct and manage portfolios across multiple asset classes.

Gerhard Steven Jr. is a financial advisor with Morgan Stanley in Palm Harbor, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he held various roles including work with Virgin Islands Small Business Development and Federal Emergency Management Agency. He also operated a taxi service business for a period. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and methodologies to support clients’ financial goals.

Jacqueline Bennett is a financial advisor with Osaic Wealth, Inc. based in San Antonio, Florida, holding Series 63 and Series 65 designations and 41 years of industry experience. Her prior work includes roles at New Century Financial Group and DMG Financial LLC, and she has operated the Jackie Bennett Financial Group since 1984. Outside of her advisory work, she serves as Vice President of the BNI Signature Elite Chapter, managing its Membership Committee. Osaic Wealth, Inc. serves a diverse client base including individual and institutional investors through a broad network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to various managed account platforms. The firm employs asset-allocation tools and risk-assessment methodologies to construct investment portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Gopal Sharma is a financial advisor at Osaic with 28 years of industry experience. He holds Series 63 and 65 credentials and has worked at Woodbury Financial Services, Inc. and Questar Capital. Outside of advisory work, Sharma operates a tax and accounting sole proprietorship and manages a corporation providing life, health, and disability insurance services. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisors, offering integrated brokerage, advisory services, and access to third-party investment platforms. The firm employs asset-allocation tools and automated rebalancing to construct portfolios across various investment types, managing accounts on discretionary or non-discretionary bases.

Nickeel Kanji is a financial advisor at Fidelity with five years of industry experience and holds the Series 66 designation. Prior to joining Fidelity, he worked at Merrill and Phelps Dunbar LLP and has a background that includes roles at the University of Central Florida. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a diverse range of funds and model portfolios.

Cassandra Rigney is a financial advisor with Primerica Advisors in Land O Lakes, FL, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Primerica, she worked in various roles including at Turo and the USA Census Bureau. Outside of her advisory work, she also drives for Lyft on a part-time basis. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients within a wrap-fee structure.

Kenneth Carruba is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses, and has 32 years of industry experience. His prior work includes positions at Carruba Quealy & Associates, Waddell & Reed, Inc., and various insurance carriers. He is also the owner of Silent Partners Technology, a business outside of his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing model portfolios and research from internal and third-party sources.

Rufus Hawkins II is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Edward Jones and Fifth Third Securities. He also serves as an advisor at Suncoast Credit Union and CUNA Brokerage Services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves 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, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.