Thomas Osterman is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses. He has 33 years of industry experience and has been with Morgan Stanley and its Private Bank since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and firm-approved methodologies to support client financial goals.

Beth Robak is a Senior Financial Advisor with Merrill Lynch Wealth Management. She works closely with clients and their families to develop tailored financial strategies aimed at addressing complex financial challenges and achieving both short- and long-term goals. Her collaborative approach involves coordinating with clients' CPAs, attorneys, and other professionals to deliver comprehensive wealth management solutions. Beth leverages investment insights from Merrill and the banking services of Bank of America to assist clients in navigating changing market conditions and financial opportunities. Beth has particular expertise in serving entrepreneurs, business owners, and women professionals. She understands the complexities involved in managing business growth, succession planning, and employee benefits, as well as balancing business and family financial needs. She also focuses on helping women engage actively with their family's financial planning and supports female business owners in aligning their personal and professional goals. She holds a Bachelor’s degree from Illinois State University and an MBA from Lake Forest Graduate School of Management. Beth is a Certified Exit Planning Advisor (CEPA) and a Personal Investment Advisor (PIA). In addition to her professional role, she participates in community volunteer activities. Her personal interests include boating, golfing, reading, skiing, swimming, traveling, volleyball, and spending time with her family.

Felipe Lewis is a Financial Consultant at Fidelity Investments, where he assists clients in understanding and navigating the company's offerings to develop and implement personalized financial plans. He has been with Fidelity Investments since 2020, progressing through roles including Financial Representative, Relationship Manager, and Investment Consultant before his current position. Prior to joining Fidelity, Felipe held positions in the banking industry, including Branch Manager at Credit Union 1 from 2012 to 2017, Licensed Personal Banker at JPMorgan Chase Bank from 2009 to 2012, and Senior Personal Banker at Parkway Bank & Trust Co. from 2003 to 2009. His experience spans various aspects of financial services, emphasizing client relationships and investment consulting.

Jorge Lopez Balboa is a financial advisor with UBS Financial Services in Sarasota, FL. He holds Series 63, Series 65, and Series 66 designations and has 52 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client plans.

Jon Lowther is a financial advisor with Morgan Stanley in Sarasota, FL, holding Series 63 and Series 65 licenses and 29 years of industry experience. His prior roles include positions at Wells Fargo Clearing, SunTrust Advisory Services, Fifth Third Securities, and Merrill. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

David Huffman is a financial advisor with Cambridge Investment Research Advisors, holding the ChFC® designation and Series 63 license. He has 48 years of industry experience, including 22 years at H. Beck, Inc. and over 19 years operating Huffman Financial Group. He is also an independent insurance agent representing various independent insurance companies. Cambridge Investment Research Advisors serves a diverse client base of individuals and institutions, including pension and charitable organizations, by offering financial planning, investment management, and retirement-plan advisory services. The firm supports both discretionary and non-discretionary management through multiple platforms and proprietary model strategies, operating with thousands of financial professionals and managing a multi-billion dollar asset base.

Jeffrey Gartman is a financial advisor at Raymond James & Associates with 45 years of experience in the industry. He has been with Raymond James & Associates since 2005. He holds a Series 63 designation. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional and pension plans, charitable organizations, and government entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Daniel Shontere is a financial advisor at Ameriprise with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Ameriprise and its affiliated entities since 2009. He serves on the Board of Directors and acts as Finance Chair for Young Life Manatee County. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on dependable income and tax-aware withdrawal strategies.

Tammy Friend is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and 32 years of industry experience. She has worked at Raymond James since 2005 and is also associated with Rosnack Financial Group, where she serves in a support capacity. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses analytical tools such as deterministic and probability modeling to tailor non-discretionary planning and consulting services to client goals.

Antonio Perlain is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 23 years of industry experience. His career includes over a decade at TD Ameritrade, followed by roles at Charles Schwab Bank SSB and Charles Schwab and Co., Inc. since 2022. Charles Schwab & Co., Inc. primarily serves 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 offers a blend of non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Cole Hedge is a CFP® professional with five years of industry experience, currently with Raymond James & Associates. He previously held roles at Truist Advisory Services, UBS Financial Services, Bank of America, Merrill, and BB&T. Outside of advisory work, he is involved in managing a rental property. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and public entities. The firm offers financial planning and consulting with a range of portfolio management styles supported by affiliated research and model managers.

Matthew Stephen is a financial advisor with Merrill in Sarasota, FL, holding a Series 66 designation and eight years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2015. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jaime Messinger is a financial advisor with UBS Financial Services in Sarasota, FL, holding Series 65 and Series 63 licenses and accumulating 12 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services that include fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management offerings, supported by proprietary research and a broad range of capital markets services.

Zachary Rutan is a financial advisor with Wells Fargo Advisors in Sarasota, FL, holding a Series 66 designation and having one year of industry experience. Prior to his role at Wells Fargo Advisors, he worked in educational settings including Florida State University, Tallahassee Community College, and Lemon Bay High School. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services supported by proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Lynn Crapo is a financial advisor at Robert W. Baird & Co. with 16 years of industry experience. She holds a Series 66 designation and has been with Robert W. Baird & Co. since 2012. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored consulting and portfolio services, including financial planning and discretionary portfolio management, utilizing a range of strategies and overlays to meet client goals and risk tolerances.

Salvatore Baio is a financial advisor with UBS Financial Services in Sarasota, FL, holding a Series 66 designation and 17 years of industry experience. He has been with UBS Financial Services Inc. since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management, supported by proprietary research and model-based asset allocations. The firm also provides institutional trading, capital markets services, and affiliated banking and lending programs.

Donald Johnson is a financial advisor with Primerica Advisors in Sarasota, FL, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been associated with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Outside of advisory services, he is involved in selling home security and automation products through affiliated companies and owns a legal entity formed for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies managed by unaffiliated asset managers with discretionary and separately managed account options.

Robert Massaroni is a financial advisor with Ameriprise in Englewood, FL, holding Series 63 and Series 65 designations and 30 years of industry experience. His prior roles include positions at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory work, he owns Massaroni Enterprises LLC, a business involved in real estate. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research and modeling with tax-efficient strategies. As a large institutional firm, it offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Thomas Dowd is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds the Series 66 and Series 63 designations and has previously worked at LPL Financial, CUNA Brokerage Services, and Truist Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a large team of over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research and analytics.

Alison Gardner is a financial advisor with MassMutual Investors Services and holds the Series 63 and Series 65 credentials. She has 41 years of industry experience, including prior roles at City National Bank, RBC Capital Markets, and Morgan Stanley. Gardner serves on the Investment Committee for the Sarasota Ballet. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software tools to analyze client goals and delivers written recommendations through annual, collaborative planning relationships.