Michael Vann is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has prior experience at BMO Harris Bank, Bank of America, Merrill, and BMO Bank. Outside of finance, he has experience managing franchise businesses in the food service industry. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research from various sources.

William Hoyt Jr. is a CFP® professional with 33 years of experience at Raymond James & Associates in St. Petersburg, FL. He has been with the firm since 1993. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including high-net-worth individuals, institutions, pension and profit-sharing plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by extensive research and multiple portfolio management styles.

David House is the Resident Director and Wealth Management Advisor at Merrill, where he collaborates with a team of advisors to provide comprehensive planning and investment advice. With over 20 years of experience, David works with successful individuals and multi-generational families nationwide, focusing on personalized financial strategies that address both short-term and long-term goals. David’s expertise encompasses a broad range of areas including college education planning, family wealth management, legacy planning, retirement income, philanthropic planning, and tax minimization. Early in his career, he earned the CERTIFIED FINANCIAL PLANNER® certification in 2008, affirming his commitment to developing strategic financial plans. He holds a Bachelor’s degree and an MBA from Campbell University, along with a Master’s degree from Northeastern University. Outside of his professional role, David is involved in community volunteering, following Merrill’s tradition of local participation. He enjoys running marathons, visiting National Parks with his family, and spending time supporting his five children in their sporting and extracurricular activities.

Charles Osterholt III is a financial advisor with Merrill in Saint Petersburg, FL, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. He has been with Merrill since 1992 and has also been affiliated with Bank of America, N.A. for 15 years. Outside of his advisory work, Osterholt serves as a director of the Waterfront Parks Foundation and chairs the finance committees for St. Anthony's Hospital and BayCare Health System. 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 investment strategies for individual, high-net-worth, institutional, and charitable clients.

Jeffrey Lashway is a CFP® professional with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He holds Series 63 and Series 65 licenses and is based in Bradenton, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Edward Hayes is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 13 years of industry experience. He previously worked at Raymond James and Associates/Producers Choice and has experience with Indianapolis Indians and OneAmerica. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Karren Allen is a financial advisor with LPL Financial in Bradenton, Florida, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. Her prior work includes roles at Hornor, Townsend & Kent, LLC, and Lincoln Financial Securities Corporation. She also operates as a self-employed insurance agent under the name Firefighter Advisor, focusing on life, accident, health, disability, and long-term care insurance products. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, supported by model portfolios, third-party research, and advanced portfolio management technologies.

Brian Cubler is a CFP® with 25 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. He is based in Saint Petersburg, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

James Campbell Jr. is a financial advisor at Edward Jones with seven years of industry experience. He has been with Edward Jones since 2018 and was self-employed in commercial fishing for six years prior, managing five vessels and work crews in Cortez, FL. 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, supported by a large nationwide network of advisors and branch offices.

Lee Dolberry is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing personalized investment advice and complex financial planning strategies to help clients manage their wealth and achieve their financial goals. His areas of expertise include college education planning, employee benefits planning, family wealth management strategies, managing new wealth, personal retirement planning, small business strategies, tax minimization, and retirement income. Lee holds a Bachelor's Degree in Finance from the University of Alabama and holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). With experience in finance, economics, business administration, and management, he demonstrates proficiency in advisory services, portfolio management, and behavioral finance. In addition to his professional commitments, Lee is involved with community organizations such as Foresters Financial and Metropolitan Ministries. His personal interests include baseball, bowling, boxing, chess, golfing, ice hockey, soccer, and spending time with his family.

Shawn Kelly is a CFP®-certified financial advisor with over 40 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. He is based in Bradenton, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Carolyn Bell 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 and JPMorgan Chase Bank, N.A. since 2021. Prior to her current role, she worked in dental-related positions from 2016 to 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program.

Stacey Ellis is a financial advisor with RBC Capital Markets in St. Petersburg, FL, holding Series 65 and Series 63 licenses and bringing 19 years of industry experience. She has been with RBC Capital Markets since 2013. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients' risk profiles.

Lindsey Kuklin is a financial advisor with LPL Financial in St. Petersburg, FL, holding Series 63 and Series 66 licenses and having nine years of industry experience. Prior to joining LPL Financial in 2021, she was involved with various insurance carriers and financial firms from 2017 to 2021 and operated Lindsey M. Kuklin Notary from 2019 to 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and retirement consulting services.

Liam Delaney is a financial advisor at RBC Capital Markets with four years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services Inc. and Morgan Stanley. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

James Molinaro is a financial advisor with Morgan Stanley, holding Series 63, Series 65, and Series 66 designations and bringing 49 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley & Co., Incorporated, Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Joseph Kennedy Jr. is a financial advisor with Ameriprise in Palmetto, Florida, holding a Series 63 designation and 42 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Clearing. He serves on the board of the Crosthwait Memorial Fishing Tournament. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendations through a centralized consulting team.

Samantha Fernandez is a financial advisor with Raymond James Financial who holds a Series 66 credential and has 15 years of industry experience. She has worked at various divisions of Raymond James since 2011 and was with Frey Masterson Investment Advisors from 2023 to 2025. Fernandez serves as a board member on the finance committee of Gulf Coast JFCS, a nonprofit organization. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using comprehensive analytical tools and supports a broad advisor network along with specialized municipal and retirement advisory services.

Charles F. Elzer III is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He marked his thirtieth year as a financial advisor at Merrill Lynch in 2022, bringing extensive experience across multiple investment cycles and market environments. His professional focus includes college education planning, services for endowments and non-profits, legacy and philanthropic planning, retirement income, portfolio management, tax minimization, and managing new wealth. Mr. Elzer earned a Bachelor's degree in Business Administration with a minor in economics from Hofstra University. He holds the Personal Investment Advisor (PIA) designation. His community involvement encompasses serving on the board of trustees for the Just for Girls Foundation and the Tampa Chapter of Safari Club International, as well as participating on the Endowment Committee of his church. He has held leadership roles such as past president of the Manatee County Chapter of the Coastal Conservation Association and past president of Just for Girls, Inc. Additionally, he has supported the Manatee Opera Guild and served as a trustee for the Bishop Museum of Science and Nature. Outside of his professional and community commitments, Mr. Elzer enjoys adventure sports, fishing, gardening, hunting, scuba diving, reading, traveling, and spending time with family and their Labrador Retrievers.

Pamela Klug is a Series 66-licensed financial advisor at Ameriprise with 18 years of industry experience. She has been with Ameriprise and its affiliates since 2007. Outside of her advisory role, she is involved in fiduciary activities and serves as an executor. Ameriprise offers specialized retirement-income planning services aimed at clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.