Thomas Maurer is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. His prior work includes 17 years at H. Beck, Inc. and ongoing ownership of Matthew516, Ltd., as well as independent insurance agency activities through Maurer Financial Services. He also serves on the board of Lakeview Professional Building. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a range of strategies including proprietary models and third-party managers across multiple platform arrangements.

Keith Wagner is a financial advisor with Fidelity Investments in Tampa, FL, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at JPMorgan Chase Bank, Morgan Stanley, and co-founding DP Training Solutions, a maritime education company. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Thomas Heinrichs is a financial advisor with Ameriprise in Brandon, FL, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He has been with Ameriprise and its related entities since 2015. Outside of his advisory work, he owns and operates car-related events including the Corsa America Rally and Exotic Fest, a weekend car meet in Miami. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

Woodrow Hicks is a financial advisor at Raymond James & Associates with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Raymond James for 15 years. 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 and pension plans, charitable organizations, and municipal entities, offering a range of financial planning and consulting services alongside extensive municipal advisory capabilities.

Timothy Conti is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 33 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously spent 25 years with MetLife Securities and Metropolitan Life Insurance Company. Outside of advising, he is involved in life and health insurance sales and manages a commercial real estate business. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering asset management, wrap programs, and educational seminars.

Todd Barrow is a financial advisor with Ameriprise in Lakeland, FL, holding a Series 66 designation and 32 years of industry experience. His prior experience includes roles at Raymond James Financial and ownership in financial services and real estate-related businesses. Outside of his advisory work, he serves as an Executive Pastor at Family Worship Center. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement, combining research and modeling with tax-efficient strategies. The firm serves clients with significant investable assets through a centralized consulting team and offers a broad range of advisory, brokerage, and insurance solutions.

Jason Arnold is a financial advisor with Cambridge Investment Research Advisors in Tampa, FL. He holds the Series 66 designation and has been with Cambridge since 2026. Prior to his current role, he spent nine years at Dan Newlin Injury Attorneys. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a national network of independent Financial Professionals, utilizing a range of investment strategies and platform arrangements.

Garrett Ruth is a financial advisor at UBS Financial Services with four years of industry experience and holds the Series 66 designation. He has worked at UBS since 2022 and has prior experience in educational roles at the University of Alabama, Palm Beach State College, the University of Florida, and local high schools. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including fee-based financial planning and portfolio management, supported by proprietary research and model-based asset allocations.

Benjamin Onett is a financial advisor at Morgan Stanley in Tampa, FL, holding Series 65 and Series 63 licenses with eight years of industry experience. He has been with Morgan Stanley since 2017, including three years with Morgan Stanley Services Group Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning using a structured process supported by firm-approved tools and market modeling techniques.

Raymond Hand is a financial advisor at Cetera with 22 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked with Regions Bank, Truist Advisory Services, and BB&T. Outside of his advisory role, he serves as an elder board member at Freedom Family Church, where he oversees financial matters. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through multiple program structures and access to various third-party managers.

Marc Spencer is a financial advisor with Merrill in Tampa, FL, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has worked at Bank of America, N.A. and Merrill since the mid-1990s and is currently involved in several community organizations, including serving on the finance committee for Christ the King, the board of directors for the Boys & Girls Club of Tampa Bay, and as a board member of Feeding Tampa Bay. 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 range of clients including individuals, high-net-worth investors, and charitable organizations.

Candice Cason is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 credential and has been with Bank of America and Merrill for the past 10 years. Outside of her advisory work, she operates a small photography business called Mash Studios Photography. 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 strategies led by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Fessler is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He joined the firm in 1984 at the regional operations center in Farmington Hills, Michigan. Over the course of his career, Joseph transitioned from operations management — including serving as operations manager for the Vero Beach, Florida complex — to financial advisory in 1994. He draws upon decades of experience within the firm to provide clients with comprehensive access to the firm’s resources, products, and services. Joseph holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is a member of the Financial Planning Association. He also carries the Personal Investment Advisor (PIA) designation. His client focus areas include family wealth management strategies, legacy planning, retirement planning, philanthropic planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. A longtime member of the Vero Beach community, Joseph is a former president of the Exchange Club of Indian River County. He resides in Vero Beach with his wife, Tammy, and has two daughters, Lauren and Kristen. His personal interests include golfing, hiking, music, reading, skiing, and spending time with his family.

Douglas Doran is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 designations and 16 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process based on firm-approved tools and modeling techniques.

Josue Falcon is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Edward Jones since 2001. Based in Tampa, FL, he holds the Series 63 and Series 66 licenses. Outside of his advisory role, Josue is involved in managing rental properties. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and affiliated financial services, supported by a large nationwide network of advisors and branch offices.

Andrew Vasquez is a financial advisor with LPL Financial in Tampa, FL, holding a Series 66 credential and 13 years of industry experience. Prior to joining LPL Financial in 2022, he worked at First Command Advisory Services and First Command Financial Planning. He is also a member of the US Air Force Reserves and owns Hall of Fame Coaching Corp, a business entity unrelated to investment services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm provides a wide range of advisory programs, financial planning services, and investment management solutions supported by proprietary research and third-party subadvisors.

Sterling Lirot is a financial advisor with Fidelity, holding a Series 66 designation and eight years of industry experience. He has worked at Fidelity Brokerage Services since 2017 and at Fidelity Investments since 2025. Outside of his advisory role, he operates an online store called Beautiful Sunshine & Company LLC as a sole proprietor. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios using mutual funds, ETFs, and ETPs.

Michael Cameron is a financial advisor with LPL Financial in Plant City, FL, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he has a minor ownership interest in Cameron Citrus Corporation, a non-investment related business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, and retirement plan consulting, supported by research and technology solutions.

Peter Gialames is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 65 and Series 66 credentials and previously worked for Cambridge Investment Research Advisors for 10 years. He is also president and CEO of Peter Gialames Associates, Inc., a third-party administration firm, and owns a business specializing in internet consulting, programming, and web design. 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 advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Rachel Kelly is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and previously worked at CDW from 2011 to 2023. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors.