John Denton is a financial advisor with Morgan Stanley in Bradenton, FL, holding a Series 66 designation and 22 years of industry experience. He has been associated with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is a passive partner in Cadenza Capital LLC, a real estate-related business in Palmetto, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides tailored financial planning and a range of advisory programs supported by structured discovery processes and proprietary planning tools.

Alfred Espro is a Series 66-licensed financial advisor with Raymond James & Associates, bringing 26 years of industry experience. His prior experience includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of finance, he owns E5 Training, a sports training business offering local coaching lessons. 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 provides non-discretionary financial planning and consulting, utilizing a range of portfolio management styles supported by extensive research and affiliated sub-advisers.

William Nugent II is a financial advisor at RBC Capital Markets in St. Petersburg, FL, with 11 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for seven years. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients through a variety of advisory programs, offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm implements customized strategies using both in-house and third-party investment managers and provides integrated capital-markets and alternative investment capabilities.

Michael Piccione is a financial advisor with LPL Financial in Ellenton, Florida, holding a Series 66 designation and possessing 26 years of industry experience. He previously worked at Ameriprise Financial Services, Inc., OSAIC Services, Inc., and several other firms. 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 services including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Julie Veltus is a financial advisor with Mass Mutual Investors Services in Palmetto, Florida, holding Series 63 and Series 65 licenses and has 22 years of industry experience. She has been with Mass Mutual Investors Services and MassMutual Life Insurance Co. since 2003. Outside of her advisory role, she operates Veltus Financial Services LLC, providing insurance consulting for individual and group employee benefits. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning using firm-approved software to analyze client goals and provides asset management, wrap and money-manager programs, and educational seminars.

Keith Dudley is a financial advisor at Raymond James & Associates with 32 years of industry experience. He has worked at Merrill, Bank of America, N.A., and Raymond James & Associates since 2020. Dudley holds Series 63 and Series 65 licenses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension and profit-sharing plans, charitable organizations, and government entities, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management styles and affiliated research.

Jeffrey Mc Adams is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 14 years of industry experience. He has been with various Raymond James entities since 2016. Outside of his advisory role, he co-owns Happy Pets Mobile Vet with his wife. 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 individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Constantine Kallenekos is a financial advisor at RBC Capital Markets with 30 years of industry experience. He has held prior roles at Morgan Stanley and City National Bank. Outside of his advisory work, he is a passive owner of several residential and vacation rental properties. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations, offering tailored portfolio management and financial planning services through a variety of advisory programs.

Austin Villodas is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 11 years of industry experience. His prior roles include positions at Wells Fargo Advisors, Merrill, and J.P. Morgan Securities. Villodas is based in Saint Petersburg, Florida. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Sean Kelly is a financial advisor with Raymond James & Associates, holding a Series 66 designation and over 22 years of industry experience. He has been with Raymond James & Associates since 2003. Outside of his advisory work, Kelly serves on the advisory council for Clothes to Kids, is the sole citizen trustee for the City of St. Petersburg Employees Retirement System, and is a board member for the Police Athletic League of St. Petersburg. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Deborah Stephens is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and five years of industry experience. She has worked with PFS Investments Inc. since 2021 and has been affiliated with Primerica Financial Services since 2018. Her background also includes nearly a decade in education with Gwinnett Technical College and Gwinnett Public Schools. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates on a large scale with thousands of advisors and offices, utilizing model-based investment strategies supported by third-party managers and custodians.

David Whaley is a financial advisor at Ameriprise with 30 years of industry experience. He holds a Series 63 designation and has worked at Ameriprise Financial Services, Wells Fargo Clearing, and A.G. Edwards & Sons. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

John Posey is a financial advisor with UBS Financial Services in St. Petersburg, FL, holding a Series 63 designation and bringing 34 years of industry experience. He has been with UBS since 2008. Outside of his advisory work, he serves as Vice President and a member of the Board of Directors for Vincent House, a nonprofit focused on recovery through work. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor client plans. The firm combines institutional trading capabilities with wealth management services across a broad range of financial products and solutions.

William Waters II is a financial advisor with Raymond James & Associates in St. Petersburg, FL, holding a Series 66 designation and 14 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he serves as a committee member on several committees at the St. Pete Yacht Club. 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 diverse client base, including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Michael Vann is a financial advisor with LPL Financial, holding a Series 66 credential and one year of industry experience. His prior roles include positions with BMO Harris Bank, Bank of America, Merrill, and BMO Bank. Outside of finance, he has experience managing Jersey Mike's Subs franchises. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and oversight of substantial discretionary assets.

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.

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® with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He holds Series 63 and Series 65 licenses and is based in Bradenton, FL. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions.

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, FL, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. Her prior roles include positions at Lincoln Financial Securities Corporation and Hornor, Townsend & Kent, LLC. Outside of advisory work, she operates as a self-employed insurance agent specializing in life, accident, health, disability, and long-term care insurance. 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 advisory and brokerage services, employing various investment strategies and providing access to third-party asset management and institutional platforms.