Christopher Mergardt is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. His prior work includes positions at Wells Fargo Advisors, LLC and Barclays Capital Inc. Outside of his advisory role, he assists with legal and financial matters as a power of attorney for a family member. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by extensive research and analytics.

Paul Covelski is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2018. He has been serving Fidelity clients for more than 20 years, focusing on helping clients and their families grow and protect their wealth, make sound investment decisions, and simplify their financial lives. Paul partners with clients to understand their goals and build customized financial plans tailored to their unique situations. His extensive experience at Fidelity includes roles such as Financial Consultant, Investment Representative, Private Client Group Relationship Manager, Premium Services Representative, Financial Representative, and 401k Customer Service Associate. Prior to joining Fidelity, he worked as a Personal Banker at Bank of America. Paul holds a California Insurance License. Outside of his professional career, Paul enjoys family activities, military service, outdoor adventures, parenthood, running, and traveling.

Steven Kim is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2014. Outside of his advisory role, he is the owner and partner of Steven Alexander LLC, a private investment company used as an estate planning vehicle. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these advisory services alongside affiliated brokerage and investment management capabilities.

Raymond Tromba is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked at PFS Investments Inc. and Primerica Financial Services since 2019 and previously at EBCS and ISG. Outside of advisory roles, he is a partner in a real estate investment business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm employs a tiered wrap-fee structure and curates third-party asset managers to implement its investment models.

Stephen Kelly is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with firms including Morgan Stanley and Citigroup Global Markets. Kelly previously operated Kelly Financial Group, LLC as a DBA for his LPL business. 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 investment services, utilizing both proprietary and third-party strategies, supported by technology tools, and oversees over $819 billion in discretionary assets through a large network of advisors.

William Baker is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior work includes roles at Fresh Thyme Markets, Western and Southern, Amazon Air, Bath and Body Works, NASM, ClubMMA, and Oak Hills High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including model portfolio construction using proprietary fundamental research, quantitative analysis, and algorithmic methods. The firm serves a wide range of investors and maintains distinctive roles such as commodity pool operator registration and advisory responsibilities to multiple registered investment companies.

Ashley Johnson is a CFP® with 18 years of experience in financial advising, currently with Ameriprise in Clearwater, FL. She has been with Ameriprise and its affiliated entities since 2007. Outside of her advisory role, she manages the operational side of her practice through A.E. Johnson Enterprises. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that address income, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach while offering a broad range of advisory, brokerage, and insurance solutions.

Patrick Lukert is a financial advisor with Fidelity and holds a Series 66 designation. He has three years of industry experience and has previously worked at Morgan Stanley and New York Life Insurance Company. Outside of advisory work, he also drives for Uber Technologies and participates as a buyer and seller on Mercari. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and model portfolios built through a combination of proprietary research and quantitative methods. The firm serves a broad client base and is noted for its use of algorithmic portfolio construction and its advisory roles to multiple registered investment companies.

Joseph Rettig is a financial advisor with Ameriprise in Palm Harbor, FL, holding a Series 63 designation and bringing 43 years of industry experience. He has been with Ameriprise and its predecessor entities since 1986. Rettig is also co-CEO of Vision Set LLC, a business focused on administration and management. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, delivering tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Eric Coyner is a financial advisor at Charles Schwab with 14 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Charles Schwab in 2020, he worked at USAA in various advisory and financial planning roles from 2013 to 2020. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research and a formal alternative investment process.

Jeffrey Davis is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 52 years of industry experience. He has been with Equitable Advisors and its predecessor Axa Advisors since 1999. Outside of his advisory role, he is involved in outside disability sales and has a side activity related to life settlements through Ashar Life Settlement. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm utilizes a range of advisory models delivered through third-party asset managers and proprietary programs, focusing on client information gathering and risk assessment to tailor investment solutions.

William Walters III is a financial advisor with Ameriprise in Tampa, FL, holding a Series 63 designation and 42 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is also employed at Eliah Ewing Enterprises, PLLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides ongoing, tax-aware retirement planning advice through a centralized service team working alongside clients' advisors.

Derek Holstein is a Financial Advisor at Merrill Lynch Wealth Management who specializes in wealth management, retirement planning, and comprehensive financial planning. He focuses on helping individuals, families, and business owners achieve their financial goals through personalized strategies tailored to their unique circumstances and long-term aspirations. Derek's approach centers on building meaningful relationships and providing thoughtful guidance, objective advice, and ongoing support to empower clients at every stage of their financial journey. Since beginning his career with Merrill Wealth Management in 2018, Derek has developed expertise in managing and preserving wealth through disciplined investment guidance and personalized planning. He holds the Certified Private Wealth Advisor® (CPWA®) designation, reflecting his commitment to serving the sophisticated needs of high-net-worth clients. Additionally, he has earned the Personal Investment Advisor (PIA) credential. Derek graduated from Florida State University with a Bachelor's degree in Finance and a minor in Entrepreneurship. Outside of his professional work, he enjoys activities such as baseball, boating, cooking, fishing, football, golfing, music, reading, running, and spending time with his family.

Brian Sinclair is a financial advisor at Fidelity with 10 years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes roles at LPL Financial, Suncoast Credit Union, CUNA Brokerage Services, and T Rowe Price. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, manages funds of funds, and delivers model portfolios across various platforms.

Amanda Murphy is a financial advisor with Raymond James & Associates, holding a Series 63 designation and 27 years of industry experience. She has been with Raymond James & Associates since 1999 and previously worked at Pasco Hernando State College in 2017. Outside of her advisory role, Murphy serves as a committee member for Business Networking International and is on the advisory board and finance/investment committee for the Richey Suncoast Theater. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, pension plans, and charitable organizations. The firm offers tailored financial planning, investment consulting, and institutional advisory services, utilizing a range of portfolio management styles supported by affiliated research and model managers.

Nicholas Linder is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank since 2021. His prior experience includes roles at YCOM Inc and involvement with Indiana University’s Kelley School of Business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by advanced modeling tools and structured discovery processes. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Craig Brolin is the Vice President and Branch Leader at Fidelity Investments. In his role, he is responsible for decisions that impact branch effectiveness, market growth, and the success of the team. He develops and leads strategies to support branch associates in helping clients plan for their financial futures. Craig has extensive experience in the financial services industry, having held multiple positions at Fidelity Investments since 2006, including Branch Office Manager, Vice President and Senior Account Executive, and Financial Planning Consultant. Prior to that, he worked at M&I Financial Advisors as a Regional Sales Manager and held various roles at Charles Schwab from 1993 to 2004. He also worked briefly as a Financial Consultant at Merrill Lynch in 1993. He considers himself a student of the markets and has a passion for financial planning concepts, which he enjoys discussing with clients to understand how these relate to their personal goals.

Aleksandr Kuzmin is a Series 66 licensed financial advisor with 13 years of industry experience. He has worked at Edward Jones since 2024 and previously held roles at Merrill and Bank of America, N.A. for nine years. Outside of advising, he manages an online retail business specializing in LED lights. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Jewmanna Mehasen 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 since 2021. Prior to that, she worked at JPMorgan Chase Bank, N.A. and has held positions outside the financial industry, including roles at Sephora and Nordstrom. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling combined with centralized due diligence. The firm offers non-discretionary advice through a select group of Wealth Advisors and applies an ESG eligibility framework when recommending investment strategies.

Michelle Fulkerson is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2002. 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 a range of model-based and discretionary investment strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.