Christopher Herman is a financial advisor at Morgan Stanley in St. Petersburg, FL, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley, he worked at Dynasty Financial Partners and attended the University of Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range 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 Financial Advisors and specialized estate planning groups.

Christian Toomey is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and The University of Tampa. Outside of finance, he was involved with Atlas Restaurant Group for six years. 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 advisory process combines quantitative screens and qualitative research to support customized asset allocation advice and investment manager searches.

Scott Pilcher is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 23 years of industry experience. He has been with Raymond James & Associates since 2013. Pilcher serves as Treasurer and Board Member of the nonprofit Friends of Raymond James, where he assists with financial recordkeeping and fund management. 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, non-discretionary investment consulting, and institutional fiduciary solutions.

Melissa Robinson is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 65 and Series 63 licenses and has 26 years of industry experience. Prior to joining Raymond James, she spent several years with J.W. Cole Advisors, Inc. and LPL Financial LLC. Robinson also provides investment advisory services through her independent firm, Flaharty Asset Management. Raymond James Financial Services Advisors, Inc. offers 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 provides tailored, non-discretionary planning and investment consulting supported by advanced analytical tools and maintains a unique affiliation with a municipal advisor to support its public finance services.

Nehal Sanghavi is a Series 66-licensed financial advisor with Raymond James & Associates in St. Petersburg, FL, where he has worked for 14 years. He has six years of industry experience. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a wide range of clients including individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting through various programs, supported by a broad portfolio management platform and affiliated research resources.

Jacqueline Erhart is a financial advisor at UBS Financial Services in St. Petersburg, FL, holding a Series 66 designation with five years of industry experience. Her prior roles include positions at Fidelity Investments, Raymond James Financial Services Advisors, Inc., and Bank of America. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Megan Miller is a financial advisor with Raymond James & Associates in Tampa, FL, holding a Series 66 designation and 15 years of industry experience. She previously worked at Crossley Shear, Inc and Raymond James Financial Services, Inc for nine years each before joining her current firm in 2017. Outside of her advisory role, she serves as president of her neighborhood homeowners association in Rockledge, FL. 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 municipalities, offering financial planning, investment consulting, and institutional fiduciary solutions with a focus on tailored, non-discretionary advice supported by extensive research and multiple portfolio management strategies.

Trisha Sammons is a financial advisor with Edward Jones in Valrico, FL, holding Series 63 and Series 65 designations. She has been with Edward Jones since 2025. Her prior work experience includes roles at The Garcia Companies and several other firms in various industries. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a large network of advisors and branches nationwide.

Michael Travis is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 credential and 18 years of industry experience. He has been with Raymond James & Associates since 2012. Outside of his advisory role, he is involved in managing a rental property business. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services that incorporate a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Elizabeth Hazen is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. She brings two decades of experience in the financial services industry, beginning her career in 2005 as a personal banker with Bank of America in Augusta, Georgia. She later served as a financial center manager in Tampa Bay before transitioning to Merrill Lynch Wealth Management in 2014. Elizabeth joined her current team in 2016, where she focuses on delivering personalized wealth management strategies that align with her clients’ distinct financial goals and values. Her expertise includes comprehensive wealth management for individuals and families, with particular emphasis on college education planning, family wealth strategies, LGBT wealth planning, managing new wealth, retirement planning, and socially responsible investing. Elizabeth engages with clients through a planning-based approach that evolves over time, integrating a deep understanding of their priorities and circumstances. She holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, the Chartered Retirement Planning Counselor™ (CRPC™) certification, and the Personal Investment Advisor (PIA) credential. Elizabeth earned her Bachelor's degree in Sociology and Criminology from the University of Georgia. She lives by the beach with her husband and their family. Committed to community involvement, she volunteers with organizations such as LEAD for Women at Bank of America in Tampa, serves as a lecturer at her church, and contributes to her local food bank. In her personal time, Elizabeth enjoys running and participates in charity races with her running club throughout the year.

Tamara Sadowski is a CFP® with 18 years of industry experience, currently serving at Fidelity. Her career includes roles at Fidelity Brokerage Services LLC since 2008 and Fidelity Personal and Workplace Advisors from 2018 to 2025. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, formal advisory roles to multiple registered investment companies, and incorporation of AI and advanced analytics in portfolio management.

Michael Espinosa is a financial advisor at Merrill with a Series 66 credential and no industry experience. His work history includes roles at Bank of America, Uber, Target, and several other companies. 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, offering model-based and discretionary investment strategies for a variety of clients including individuals, high-net-worth clients, and institutional investors.

Eric Allen is a financial advisor with Stifel in St. Petersburg, FL, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He previously worked at Wells Fargo Clearing and Davidson Investment Advisors, Inc., among other firms. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Lori Lacy is a financial advisor at Merrill with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1993. Merrill, together 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 plans, corporations, and charitable organizations.

Pedro Filippa is a financial advisor at Merrill with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Mutual of America, Raymond James, and T. Rowe Price. Filippa is based in Saint Petersburg, FL. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of investors including individuals, high-net-worth clients, and institutions.

Joshua Johnson is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 66 and Series 63 licenses and has nine years of industry experience. His prior experience includes roles at T. Rowe Price and Grove Point Advisors. Raymond James Financial Services Advisors, Inc. provides tailored financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses risk profiling and analytical modeling tools to support non-discretionary planning and offers unique services such as municipal and public-finance advising alongside a SIMPLE IRA Employer Advisory program.

Clara Halapio is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 credential and four years of industry experience. Her prior work includes roles at Ford Motor Credit, Childcare Solutions, and Sony/ATV Music Publishing. 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, institutional clients, and municipal entities, and offers financial planning and advisory services that incorporate risk profiling and software-driven analyses.

Margaret Salvatore is a financial advisor at Raymond James & Associates with two years of industry experience. She holds Series 66 and Series 63 credentials and has previously worked at Baird and Northwestern Mutual. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutional investors, and municipal entities. The firm offers tailored financial planning and consulting services, utilizing a variety of portfolio management styles and affiliated research resources.

James Berndt is a CFP® professional affiliated with Osaic Wealth, with eight years of industry experience. His prior roles include positions at The Mather Group, LLC, EY/Tapfin, and Corient. Outside of his advisory work, he manages a rental property. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, and charities. The firm employs a model-based investment process with portfolio optimization and offers a range of advisory and brokerage services through a broad platform of affiliated entities.

Michael Magee is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked previously at J.P. Morgan Securities and JP Morgan Chase Bank. Magee also operates a personal loan business as a sole proprietor outside of his advisory role. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary investment models in its advisory process.